India, the fastest growing smart phone and e-commerce market in the world has always been kept apart from the international payment activities. RBI, always had and will have some rules which will create a barrier between the international world-wide e-commerce market and the Indian payment options. Today where every transaction is becoming virtual, we most Indians are not allowed to use Google Wallet (a.k.a Google Payments as Google Wallet doesn’t have full support in India) or PayPal or Skrill, world’s most popular international payment medium by our Debit Cards, provided by our beloved Banks. Even if the cards are approved by Visa or MasterCard and properly mentioned as “International Debit Card“, we still are not eligible to use them for any international transaction, only except you visit any abroad country and use your card in the ATM for some cash. But in today’s world where we live alongside with technology, are International Debit cards only meant for that kind of International use only?

Today I will show you which Indian Banks provide international debit cards that can be user both physical international transactions as well as online international cross currency transactions. So, read the article carefully to check if your bank is one of them or not.

What should we do then

Well there some Indian Bank are still there whose debit cards are working perfectly for online international cross currency transaction. You can check the below table for the name of the bank and the kind of cards which are currently working for online cross currency international transaction. Though there are so many banks are available in India, it is not humanly or financially possible for me to check every single card by my own. The below bank and its card list is made as per my personal research and as well as as my readers’ feedback.

Please note that because there are a number of banks in India, each one offering a lot of different types of cards, it is impossible for me to check all of them. So, if you find any information above is wrong or if your bank is not mentioned below but it works in the claimed sites, please let me know in the comment section below.

So, as you can see almost maximum nationalized bank does not support international transaction like Google Wallet, PayPal. I know that I was not able to add all the bank names as they are so much long, but my main objective was to give you the name of the banks whose cards will work for international transactions like Google Wallet or PayPal. As you can see most of the debit cards (except few) are allowed in PayPal India, that is because of great rules of RBI and we can’t do anything about it. But credit cards were allowed, until RBI has made it mandetory to have 2 Layer Security on Credit Cards also. Now every newly generated credit cards must have their own 3D Secure Pin or VBV or equivalent. So that credit cards also can’t be used for international cross currency transaction.

Also Read:

Special Activation Process

As you can see that there are very few Indian Debit and Credit cards are allowed to do cross currency international payment as RBI is strengthening their rules regarding cross currency online payment every single day. Some bank cards needs some special activation before it can be used for online cross currency transaction. So, take a look at special activation procedure of some banks.

ICICI Bank: Previously cross currency transaction activation used to be done through calling the respective customer care of your state, but now ICICI Bank has made it even simpler. Now if you want to activate cross currency transaction on your VISA or MASTERCARD (VISA Preferred) [RuPay Cards will not work] debit card, you just have to sent an SMS from your bank registered mobile number as INTL to 5676766. Sometimes this SMS may not work properly, in those cases instead of sending just the INTL SMS, try to send INTL <LAST 4 DIGITS OF YOUR DEBIT CARD> to 5676766 from your registered mobile number. If you do not get any conformation SMS for international usage activation after waiting for 3-4 days, please call the customer care and place a request of international usage manual activation on your card. Mention them that you have already sent this SMS but you didn’t get any activation conformation message. They will take your request and manually activate it.

ICICI Bank cards must needs to be properly activated before it can be used internationally. So, after you receive your debit card, visit your nearest ICICI ATM, change your debit card PIN and do some transaction (like withdrawing some cash). After this is done, then try to enable the international usage on your card, it will work almost immidiately.

Axis Bank: Please note that not all Axis Bank debit cards work for online international cross currency payment. Axis Bank Prime Chip Based VISA debit card has the highest accuracy rate. Beside any Axis bank chip based debit card is allowed to work for online international cross currency payment. You just have to call the customer care number and follow the IVR for the international payment activation process. Provide every details asked from the IVR and your card will be activated for international payment. You also have to wait 4 – 5 days after activation before trying it out.

IndusInd Bank: A huge thanks to Bhangu Aman from Punjab, India for confirming that IndusInd Bank cards are working perfectly on all international websites without any hiccups whatsoever. IndusInd Bank Cards works flawlessly not only in PayPal but also in Google Play, iTuenes, Stream and in every other international merchants. Though there are different kind of Debit Cards been provided by IndusInd Bank, but I have confirmation about two cards only. So, I will highly recommend you to go with any of these two cards. As I do not have any valid confirmation about whether or not the other IndusInd bank cards are working as well on international payment gateways, I will personally suggest you not to opt for them. But if you wanna take some risk, you can always opt for the others cards and if they work as well please let me know in the comments. The two cards that I will recommend you to get is either IndusInd International Gold VISA Debit Card or IndusInd Maximum Platinum VISA Debit card.

Any savings or current account holder can apply for any of this two cards by visiting their respective branch or directly from online. The International Gold Visa Debit Card costs just ₹ 100/- per annum if you allply for this card at the time of opening your bank account. On the other hand if you visit your respective IndusInd Bank branch you will see that the Maximum Platinum VISA Debit Card has two subcategories in it. The first one is the Platinum VISA Debit Card, which costs ₹ 700/- per annum and the Maximum Platinum Business Plus VISA Debit Card, which costs ₹ 1,200/- per annum. All the IndusInd Bank cards that are mentioned here works flawlessly with every international payment gateways and also has been tested thoroughly by Bhangu Aman.

As per Bhangu, there is no special activation required for your card to be working on international payment gateways. After you receive your card you should first visit your nearest ATM to do some cash withdrawals. After this is done, wait for a few days to your card gets properly activated on Bank’s database and then you can use it on any international payment gateway you want. If you also apply for your internet banking logins along with your bank account (highly recommended), there is a section within the internet banking portal from where you can set the maximum international spending limit on your card. By default it is activated and I suggest you not to tweak with it unless you know exactly what you are doing.

Indian Overseas Bank: As per the conformation by Sreeni from Andhra Pradesh, Indian Overseas Bank’s (IOB) EMV Platinum Debit card seems to be working on all International Cross Currency payment gateways like PayPal, Google Wallet, Stripe etc. The best part is that this card comes pre-activated for all international cross currency transactions, so there is no special step to take for activating this card for international use. The best way to get this IOB EMV Platinum Debit Card is by applying for a IOB Platinum Savings Account. The initial opening balancer for this IOB Platinum Savings Account is Rs. 1,000/- with monthly Minimum Account Balance Maintenance of Rs. 750/- (with or without cheque book). Every Platinum savings account holder is applicated for the IOB EMV Platinum Debit Card. At the time of applying for this card make sure your account has sufficient balance in it (recommended more than Rs. 1,000/-). It may take 10-15 days for the EMV Platinum Debit Card to be delivered and activated. Applying for IOB EMV Platinum Debit Card may cost you Rs. 200/- extra, so keep that in mind.

Also if you have a normal savings account, you can still apply for the IOB EMV Platinum Debit Card, but for that you must need to maintain quarterly minimum account balance of Rs. 75,000/- before applying for the card.

Federal Bank: As per the conformation by Mr. Saif, Federal Bank Gold VISA Debit Card is working fine in PayPal. Now if a card works fine with PayPal, it will also work with all other international payment gateways like Google Wallet, Skrill, Neteller, iTunes, Stripe, Amazon.com and to all other international marchent website. Please note that the only conformation has been received for Federal Bank Gold VISA Debit Card so I cannot confirm that whether or not other Federal Bank cards are also working on international merchant websites or not. Personally I will suggest you to go with the Gold VISA debit card as it has been tested on international merchant websites.

Federal Bank Gold VISA Card PayPal Payment Proof

As per the Federal Bank website, any savings or current account holder can avail this card, simply by requesting for it. As per their website the registration charge for the Gold VISA debit card is Rs. 100/-. After this Rs. 25/quarter and Rs. 50/quarter will be charged to Savings and Current account holders accordingly if they keep quarterly minimum account balance less than Rs. 5000/-. The annual fee of the card will also be reimbursed if you do a POS/e-commerce transaction of minimum Rs. 10,000/- with this card within 6 months of card activation.

The best part of this card is, just like Indian Bank EMV World MasterCard, this card also works internationally out of the box. No special activation is needed to use this card on PayPal, Google Wallet or any other international merchant website. If you currently have a Federal bank account, you can definitely try this card out.

YES Bank: As per the conformation by Dev Kumar, YES Bank EMV Silver MasterCard Debit Card is working fine on all international payment gateways including PayPal, Google Wallet, Amazon.com, Stripe and others. Currently I don’t have confirmation about any other YES Bank debit card but the EMV Silver MasterCard Debit Card. Personally I will not suggest you to go with any other YES Bank card as they are not tested and there is no confirmation about those other card. YES Bank EMV Silver MasterCard Debit Card also doesn’t need any special kind of activation to make it work on international payment gateways like PayPal. It comes internationally activated out-of-the-box. If you are interested about getting this card, you can checkout this debit card details & requirements online on YES Bank website.

State Bank of India [SBI & Associates] (Updated Jan 2017): SBI Debit Cards are finally working internationally. It is working fine in Google Play Store/Google Wallet, Amazon.com, PayPal, Skrill and othe international payment gateways. You can also pay your Google Play Store Developer Fee by using SBI Debit cards now. Also the best part is that you don’t need any special kind of Debit Card to make it work internationally. Any VISA or MasterCard Debit Card will just work fine (I’m personally using SBI Global International VISA Debit Card). Please note that RuPay cards will not work in online international cross currency transaction. But before you can use your SBI Debit Cards internationally, you must need to send some SMS from your account registered mobile number to enable the online international cross-currency transactions. Here are the list of SMSs you need to send from your bank registred mobile number to 09223966666.

SMS Content

Expected Result

SWON INTL [LAST 4 DIGIT OF YOUR CARD] to 09223966666

An SMS from VM-SBIPSG telling you that INTL service has been activated on your card.

SWON ECOM [LAST 4 DIGIT OF YOUR CARD] to 09223966666

An SMS from VM-SBIPSG telling you that ECOM service has been activated on your card.

SWON POS [LAST 4 DIGIT OF YOUR CARD] to 09223966666

An SMS from VM-SBIPSG telling you that POS service has been activated on your card.

After this is done, you will be able to online international cross currency transaction with ease. In case this is a new debit card you have received, please make sure you do some ATM transactions like money withdrawal before trying to activate international cross currency transaction. In case you are wondering about some image proofs along with my personal debit card image, here are some screenshots of Google Play Store and PayPal transactions. 🙂👍😱🤘🍻

At last SBI has granted our wish and opened the door of online cross currency international transaction using their Debit Cards. Even you can confirm your card inside PayPal too, just like any other properly working card. I’ve successfully verified my SBI Global VISA Debit Card inside PayPal (screenshot given above). So, it’s time to let go the worrying about international payment and just enjoy this. Let’s just hope SBI never block this feature in future. 🙏

Also in case you are looking for any official statement from SBI on this matter, feel free to download this PDF file which has been published officially on SBI website. In case the previous link doesn’t work, try this mirror link to download the official notification.

Indian Bank: Indian Bank EMV World MasterCard & the Customized Image Debit Card are working fine on PayPal, Google Payments, Amazon US and most other international payment gateways without any hiccups. The only problem is that due to the way Indian Bank process their bank statement, you may not see your PayPal verification code showing up on your bank statement and hence you are unable to verify your card in PayPal. But this will not stop you for using your card inside PayPal or any other site. So, feel free to use it anywhere you like. Just make sure after you receive your debit card you make some ATM withdrawals from any Indian Bank ATM, this will activate your card. But you don’t need to do anything special to activate the international usage on your card as it comes pre-activated out-of-the box. You can also apply for the Indian Bank Customized Image Debit Card directly from online by clicking here.

Kotak Mahendra Bank: Kotak Mahendra Bank’s Gold Chip Debit Card,Platinum Debit Card and the Classic VISA Chip Card are working fine in Google Payments, PayPal, Skrill and other places. If you already do not have any of the mentioned cards, then you must visit your branch and place request for it. If you bank manager ask you the reason behind opting for Gold Debit Card, you tell them you are taking the card for using it on international sites like PayPal, Google Wallet, Skrill, Amazon etc. Gold Chip Debit Cards are only available for normal Savings account holders. On the other hand if your are looking for a ZERO Balance Savings Account solution, I will suggest you to go with Kotak Bank’s new 811 Accounts. Opening 811 accounts are pretty easy. You just have to visit your nearest Kotak Bank’s branch and ask the representative for 811 Account opening forms. Technically 811 accounts are ZERO Balance, but at the time of opening your account, you must need to provide Rs. 10,000/- which you can completely withdraw after receiving your Debit Card + ATM Pin. But before withdrawing the full amount from your bank, make sure you do some ATM transactions with your card.

Prof: Kotak Mahendra Bank Gold Chip Based Debit Card

Currently I will not recommend you to apply for this 811 Account (successor of Jifi account as Jifi has been closed) via online process as due to the technical problems your payments may get stuck. You better visit your nearest branch and talk about it if you can open it in the manual offline way or try after few months. Hopefully by then Kotak Mahendra Bank will resolve their technical issues.

HDFC NetBanking is highly recommend to activate international usage on your card in a peaceful and problem-less manner. The activation process without NetBanking is tedious and problematic.

Proof of HDFC Bank Debit Card working in PayPal & Google Payments

HDFC Bank: Just like other banks, HDFC also has it’s own way to activate international usage on their chip based debit cards. Till today the only chip based HDFC debit card that has conformed working in PayPal, Google Payments, iTunes, Stripe, Amazon etc is HDFC EasyShop Platinum Chip Debit Card and HDFC Bank Standard International Debit Card. So, I cannot confirm you about any other HDFC debit card for international usage at this moment. But as soon as my readers confirms that any other HFDC card is also working with international usage, I will certainly update that here. Here is the gist of the activation process: Login to Netbanking > Cards > Credit/Debit Cards > Request > International Enable which I’ve explained in depth below. To activate your international usage, First you need to login to your Net Banking account. Then select the Debit Card tab from your top navigation bar.

Step 1 – HDFC Card Activation

Now from the left vertical navigation bar, please select “Set International / Domestic Use“. Then select your proper card from the drop down list shown and click “Continue” and follow the rest of the procedure properly which will be shown to your screen.

Step 2 – HDFC Card Activation

During this procedure the system might ask you some account specific security question and also generate OTP to complete the activation. After pressing continue you must select the card usage as “International Merchant Website” or anything similar to that. After you follow the process properly, it might take 24 – 48 hours to activate international usage on your card. 🙂

Some FAQ

Here are some frequently asked questions by my readers regarding online international cross currency payment and the cards. Hope this will help you to get your required answers easily.

What is 3D Secure Pin ?

3D Secure Pin is a password which you need to create to pay online through any Indian payment gateways along with those gateways which uses 2 tier authentication process. You can easily create your 3D Secure Pin from your bank website or from the supported payment gateways when you try to purchase for the first time.

Should I generate 3D Secure Pin for international usage ?

International payment gateways like Google Wallet, PayPal etc. does not allow 2 tier authentication, hence also do not support 3D Secure pin. So if you are getting a card only for using international payment, I will sugest you NOT to generate 3D Secure Pin on those card. But if you want to use your card for both national and international usage, you can FIRST add your card to all the required mediums (like Google Wallet, PayPal) and then generate your 3D Secure Pin, if you want to be in the safe side.

Can my card be used for subscription payment ?

If you are using a card which is got accepted by PayPal, you can use your PayPal account to purchase and subscription based service. It that case your card will be automatically charged after interval. So make sure what service you are purchasing before paying it through PayPal. Some site also use their own payment gateway for subscription payment, so always recheck your order before paying for it.

My bank is not listed above ?

Well as I said earlier, it is not humanly possible for me to check every single bank card by my own. If your bank name is not listed above that means no user (including myself) have ever tested this card out. So the best option is to try to purchase things by using your cards in Google Wallet, PayPal and other places. If it works then please let me know in the comment section below so that I can update the above list. If your card didn’t work, then also let me know in the comment, so other users can know about it.

Can I attach more than one bank account information in PayPal ?

Yes, you certainly can. Don’t worry, just hover on the “Profile” and select “Link/Edit Bank Account”.

Can I attach my parents/spouse bank account in PayPal ?

No, you can’t. PayPal only allows to add bank accounts which are in the name of PayPal account holder. If you want to add your parents bank account, you have to create a new PayPal account for your parents.

Can I attach my parents/spouse Debit/Credit card in PayPal ?

Yes, you can do that. PayPal only allows you to add Debit or Credit cards which are either in your name or the owner of the card is blood related to you thus having the same Surname. When you will hover to your “Profile” menu and the click on “Link/Edit Credit Card”, it will allow manually enter the First Name field of the card, but not the Last Name.

Can I pay through by bank account in PayPal ?

No, you can’t. PayPal India only allows to pay PayPal invoice through your attached Debit/Credit cards. The attached bank accounts can only be used for withdrawing your PayPal balance.

Does RuPay card works on PayPal, Google Wallet, Neteller etc?

No, you can’t use RuPay cards on PayPal. RuPay cards are issued by NPCI as a Indian brand card and to compete with VISA, MasterCard in India. This is another PM’s ‘Make inIndia’ initiative. But this card is mostly limited in Indian only. If you visit abroad with this card, specially on those countries who have signed special trade agreement with India (like China), you will be able to use this card through Discover network. NPCI has signed MoU with Discover for international usage using RuPay card on abroad. But this card will not work for online international cross currency payment, as internationally this card has no brand value and no one supports it.

Is there any other way to get a ZERO Balance Savings account with ICICI Bank?

Yes, you can apply for BSBDA (Basic Savings Bank Deposit Account) which is also a ZERO Balance savings account that Indian Government has created mainly for poor people of our society. But if the branch manager want’s he can allot you a BSBDA without any issue.

How much time does it take to get a ZERO Balance Savings account with ICICI Bank?

As ICICI is one of the largest private sector banks in India, they mostly give no attention to creating ZERO balance account and give more priority to those people who are opening account maintaining normal MAB. So, you might have to visit your branch many times, or may be sent a letter to grievance cell of ICICI if your nearest branch says that they cannot open such account.

Does all ICICI Debit Cards works?

Yes, all ICICI debit cards (except the RuPay one) will work perfectly for International Cross Currency Transaction, if you activate the feature on your card regardless of the card issuer, be it VISA or MasterCard .

What PSU Banks is best for International Transaction?

If you are looking for PSU bank card, I will always suggest you to go with Indian Bank World MasterCard Debit card that I’ve already mentioned above in my post. This card has an extraordinary success record for international transactions, be it PayPal or Google Wallet or amazon.com whatever you can think of. But as Indian Bank is a PSU bank, you must have to face employees who are slow, have zero knowledge besides the basic banking things. So, they might not have any idea about international transaction or PayPal. Also you may face a lot of questions by the branch manager when you apply for World MasterCard, like why do you need it and stuffs like that. I will suggest you to say that you are visiting abroad or some story like that. If you tried to explain them about PayPal and international transaction they might get freaked out (as they have no knowledge) and might cancel your card application.

How to know when this post has been last updated?

At the end of the post on the right corner the date you see it is actually not the date the post has been published for the first time, rather it shows the date on which this post has been last updated.

Feedback

If you feel that any information provided above is not currently working or if you find out that any other bank is also proving this supports which are not mentioned above, please feel free to share your thoughts, feedback and opinions in the comment section below.

You can also follow me on twitter @iSaumya or subscribe to my newsletter to always stay updated with my new posts.

Yes, it is. I’m using Corporation Bank Debit card for long time and I was amused too see that in how many international payment gateway supports the card. Skrill (aka MoneyBookers), Google Wallet and many other places. But it doesn’t accepted in PayPal. Take a look at the below image this is the screenshot of my Google Wallet card verified section:

The White Debit Card is for State Bank of India, the Yellow debit card is for Corporation Bank. And for your shipping query, Google Ships products to India which are only available at Google Play Store India, e.g Nexus 5, Nexus 7. Mainly Google Shop is only of US citizens.

Sorry but I was not talking about that card. That card is not for Indians. In the above post I was sharing the info about what Indian Bank Cards can be added to Google Wallet site for online purchase. Check this out:

Is your corporation bank card is the international debit card? If yes, then as I said theme banks got crazy sometimes and stop working. As you can see from the above screenshots that it works for me fine. Anyways in this situation, I will suggest you to get ICICI debit card and contact customer support to activate international payment.

WOW! Google Play generally takes ICICI Platinum card. I’ll suggest you to try with Corporation Bank Debit card once. I hope that will work. But if that also doesn’t work, then you will not have any other option that credit card. I know this sounds wired, but truly Indian Banks International Debit Card support is very wired and uncertain. For normal Google Wallet Account I have information that ICICI Platinum Debit Card works, maybe as it is a developer account it’s not working. I’ll suggest you try Corporation Bank once.

Hi, I do understand your anger about the fact that I’ve not added HDFC cards on PayPal list. Actually the thing is these private banks suddenly start working for some merchants and suddenly stop working for some other merchants. As an example as you are saying your HDFC Debit Card is accepting is PayPal, on the other hand, Google Wallet stop accepting it now. So, what can I do, I always try to update my posts as per recent acceptation. I will love to add “YES” for the HDFC Debit Cards on PayPal list if you can please share one more info with us that after approving have you been able to purchase anything from internet using your PayPal Account? Anyways sorry for the late reply.

Is it true that HDFC international debit cards will be accepted for play store n amazon as some in twitter posted tweets along with msgs pic from hdfc intimating acceptance of above for all card holders.I think fom june 11 msg posted.Even in hdfc official twitter account its stated. plz confirm..

Hi Rag, I’m really sorry for the late reply. Frankly, there is no way to conform that whether it is really working or not. I’ve also got many feedback of HDFC International Debit card holders whose cards are not getting accepted in Google Wallet. But majority said that it get accepted. So you have to take the chance by yourself. But as I’m a Corporation Bank card holder, I can conform you that Corporation Bank card will definitely get accepted in Google Wallet.

I tried my ICICI Mastercard debit card it didn’t work, so i replaced it with ICICI Visa debit card still couldn’t get the Google Wallet.

So I got HDFC debit card even after asking them Visa they still sent me Mastercard and I tried even that and still Google says Invalid credit card. I had also tried to purchase Apple dev from my ICICI debit cards nothing worked.

I’m really sorry to hear that. As I was saying in the previous comments, private bank cards does not have any permanent pattern in case of International Payments. Sometimes it works, sometimes it wont. But for the majority I have the info that HDFC Premium International Debit Card get accepted in Google Wallet. But as you have tried so many banks, I will request you to open an account with Corporation Bank, they are very good and very reasonable. Minimum account balance maintenance is just Rs. 500/-, beside it is a PSU bank. After opening account with them use their debit card and give me the feedback, I’m pretty sure that it would be one of your best global payment experience.

Hi, Saumya. I am glad to know the fact that google wallet supports corporation Debit Card. Will u tell me which kind of card is accepted by the search giant? I am going to open an account in Corporation Bank.

Hi, well when you open up a savings account with Corporation Bank they will supposed to give you the yellow debit card which has been shown in my above post. But today I got a call from my Corporation Bank branch manager and he said that due to security reasons, Corporation Bank HO sent a new chip based debit card for my account and my yellow debit card wont be working after today. So I’ve to surrender this card and have to take the new one. I requested them not to changed my card but they did not listen (My first bad experience with Corporation Bank). I will be getting my new debit card on this Saturday and again try to add that into Google Wallet and post an update on the below of this post about whether that card is also flexible like the previous yellow one or not. What I’ll suggest you is before opening the account, ask them if they are providing the yellow one debit card or not. If they said that the yellow debit card has been stopped providing by the bank, then wait for the update on my new Corporation Bank chip based card. Hope this helps.

Being an engineer and a developer I can truly understand that how does it feels. But what we can do about it? As we have born in a third world country, where people spent their whole life to do something and earn some money, but in the end, it’s the great RBI who decides whether you are allowed to use your money or not. And they call this financial democracy. This is nothing but financial autocracy. But we all know that there is no outcome for shouting about this matter. This is the way Indian banks works and will work in future. What I can suggest you is either get a Credit Card or try Corporation Bank yellow debit card which picture has been posted in my post. Really sorry man!

I had icici visa debit card for basic savings a/c(zero balance maintenance). Card didnt work. I called customer care to activate international payment they asked me many questions like recruiting for a job. finally got activated for play store. You need to call them and ask otherwise they wont give that easily.Say just for making petty online shopping it would work.

Thanks for the valuable info. I will try this out with my ICICI Bank Salary Account Debit Card and will update the post if your trick works. Anyways after this trick, does your card also works in PayPal too?

That is impossible. Do you have the chip based debit card or non chip based debit card? Did you added your card in your Google Wallet account? I’m using it by myself and you can see the screenshots in the above comments also.

I tried in amazon.com, itunes and purcahsed some apps in play store no issues works fine..Its not trick icici officials said all debit cards eligible for international payment you need to call customer care and activate it.

Hi Saumya, I have SBI Global International Debit Card and tried to add my card on Paypal but an error message shows that ” your card didn’t approve this transaction. Please contact card issuer’s customer service department if you have any questions “. Then I called CC of Paypal and told me that they only accept Axis and ICICI bank’s International Debit Card.

It’s nothing like that. As per RBI PayPal cannot accept Indian debit cards, they can only accept credit cards. Sometimes ICICI bank debit cards got accepted in PayPal. But this happens sometimes only. For the maximum time it will give you the same error. If you have credit card, it will get accepted by PayPal.

hi gurmohan singh, i agree with you. like soumya, i too have an corporation bank international debit card and it works fine for cross border transaction on all major sites, except with paypal. today i too contacted the paypal call centre and got the same reply, that only AXIS BANK and ICICI bank cards allow paypal. surprised that no indian psu banks and RBI have taken serious note of it..

Hi Dhinakar, it’s not about PSU banks. It’s ll about RBI. RBI set the rule that only credit cards will be allowed for PayPal kind of transaction because PayPal dont have 3DS password system which we used to see when we do the payment within India like in flipkart, snapdeal. Most of the PSU banks follow RBI rule. That is the reason we Indian face this kind of issues with our debit cards. The main culprit of this is RBI. Only few banks allows this kind of transactions to get more customer who get frustated with other banks.

Well brother I will suggest you two debit cards, tough I’m not sure whether it will work or not, because I’vent done this by myself. First of all I’ll suggest you Corporation Bank Debit Card and second of all HDFC Platinum International Debit Card. But any credit card will work, I guess.

After reading this article, I immediately went to the nearest Corporation Bank and opened an account. I recieved the same yellow colour debit card as shown in the photo. I tried it on Google Play(Google Wallet), iTunes and Steam. It failed to work on any.

I really have no idea why you are having this issue, today I’ve just added my new Chip Based Debit Card given to me by my bank and as you can see in the below screenshot that it has been added successfully without any hiccups.

No, it didn’t take me to the VBV page when I added my card in the Google Wallet. After I clicked on the “Add Card”, it just showed me that “Your card has been added successfully.” Then Google charged Rs. 50/- from my account and on the next day they returned back my money. I really have no idea why this is happening to you.

The only solution is to get a ICICI bank debit card and call their customer care to activate international payment. As many people have conformed that this process is working for everyone, I will suggest you to do that. I really don’t know why your cards are not working while having the international debit card. Corporation Bank might change something in their payment server. The best solution is to get a ICICI bank debit card at the present scenario.

ICICI platinum debit card works. But before you use it, you need to call customer care and ask them to activate your card for international transactions. I used it for Google play store and iTunes, and I haven’t tried in others but i assume it should work there too.

Me too.. i just opened ICICI Regular Salary ac. got easy Shop Platinum Debit Card. Also called Cust care to permit international transaction. but as its a new account my check not yet been credited to my account.. So will try to add my debit card to paypal / Playstore on Monday. Till then Hope ur ICICI debit Card been accepted

Thanks for fast reply…….I want to invest some fund in a site through paypal. So I want to know which bank’s debit card will work in paypal. Does any bank issue credit card to college student and to who has a online income of minimum Rs. 3000 Per month.

Hi Iswar, I do understand your problem, I was also tried to get a credit card when I was a college student. But unfortunately as RBI has enacted many strict rules regarding Credit Cards, now-a-days banks won’t give credit cards like they are used to in the past. The post easiest way to get a credit card now is to create a FD in any banks like ICICI Bank, Corporation Bank etc. and they will give you an instant credit card for that FD. The FD amount will the credit limit of your Credit Card and when you withdraw your FD, you have to submit your credit card. Another way is if you have a salary account with any bank, that bank can give you credit card.

If you are eligible to open a savings account in the corp bank you will get the debit card. I don’t know the minimum age to open a savings account in Corporation Bank. You should visit your nearest branch and ask them.

I’ll be glad to hangout with you. If I ever visit Varanasi, I will surely drop you a mail. Beside if you do not have Corporation Bank nearly, the only way remains open (tough a little costly) is to open up a savings account in ICICI Bank and after getting their debit card, call their customer care and ask them to activate international transaction on your card.

I tried a corporation bank debit card . I was accepted without any problem . . them I tried buying in app purchases . it said payment declined . then I tried buying apps from play store . it said declined again . . then I tried buying play books . . those which were free were bought . . but no payment can take place . . what can I do ??

Hi, I just started an account with Corporation Bank after seeing this post, but unfortunately the Debit Card which I received doesn’t allow transaction with Skrill I’m getting the same error as I tried in other bank’s Debit Card. I can use it in local websites (like Amazon.in etc). And I also noted that the card which I recieved only has “Debit Card” Instead of “International Debit Card” as shown in this post.?

Hi Abey, welcome to my site. First of all the reason you are facing this issue is because you have received a normal debit card instead of an International Debit Card of Corporation Bank. I would like to know you that within the 5 accounts I have with me, Corporation Bank debit card is the only debit card which got accepted in Skrill (aka Moneybookers) and it was the only debit card of mine which got accepted in Entropay Virtual Credit Card system. The only reason you are facing this issue is because you got a non international debit card of Corporation bank. I will suggest you to contact your branch ASAP for this reason and try to get the International Debit card of Corporation Bank. I hope this will solve your issues. P.S: I myself have paid many invoices through Skrill by using my Corporation Bank International Debit Card.

Hi Mike, as per my knowledge it is not accepted in PayPal and also I think in Google Wallet. You can try with ICICI gold card, but I’m not sure that whether that will get accepted in PayPal. Because as per RBI rule only credit cards will get accepted in PayPal and PayPal follows every rule of disgusting RBI. Beside all this things, I must say that some has reported that their card got accepted in PayPal, without any special trick.

man i opened the account with icici minimum balance 2000 Rs .they gave me visa platinum debit card after 4 days card get activated and i called the customer care i told them to activate international transactions they activated it after 1 or 2 hours and i used it on google play and its working i am really happy.

This is really a very helpful article on a buzzing topic for for online payment solutions for Indians.

Ok! Let me also dive in and share something useful here that may help people looking for a solution on this topic.

Well, I wanted to have an International Debit Card for online payments (mainly PayPal) and hence I opened an account with Bank of Baroda which is my nearest local bank. I got the “VISA Debit Card” and I was desperate to make my first online payment (with PayPal) and it was in December 2013. So, I tried to pay for a product that I wanted to buy, my Card was declined and then I tried my brother’s “HDFC MasterCard Debit Card” and it also didn’t worked and I was like “WHAT?”.

I was very frustrated and I wanted to know what actually the issue is. Then I started to research on this topic and after doing an in-depth research, I got to know that it was rules and regulations that was put my RBI and for this reason Indian Debit Cards are not being accepted (mainly by PayPal). But, I wanted a solution for it and after a little more research I landed on Digital Point forum and I found a thread on this same topic and after going through the thread, I got to know that the only Debit Card that is working with PayPal is ICICI Bank Debit Card.

As I was desperate to get a solution for my problem, I wanted to give it a try. Hence, the next day I went to my nearest ICICI bank and I talked to one of their executive about the details for opening an account. After getting all the details I opened an account and I got a Kit containing my Debit Card, Net Banking details, Cheque book and other documents and the Debit Card I got was a “VISA Platinum Debit Card”. Then I wanted to buy a product and when I was taken to a PayPal payment page, I was curious and desperate if it will work with PayPal or not. Finally when I hit the Pay button and Voila! It worked and I was like WOW!

Now I’m using it from the last 6 months and I’m very happy that there is atleast a bank that truly understands the importance of International Online Payments and provides their customers an excellent solution that really works and this is what I call “True Customer Care”.

P.S: If you have any doubts or need any help, you can always contact your branch for help.

I hope this information is helpful for my fellow Indians who are searching for a solution for International Online Payments with Debit Card.

Thank you very much Nizam, for sharing your true experience with me and all other readers of my blog. I’ve also faced this same frustration many times. ICICI is the true Indian bank who give importance to the developers community as well as all the international buyers.

As I said above, 98% Indian Bank cards does not accepted for international payment for disgusting RBI and it’s disgusting rules. Some of the bank cards works internationally, so I suggest you to create an account with any of those banks. If you are thinking why Google Wallet is showing error like “invalid credit card” beside using debit cards, that is because internationally there is no concept of different payment gateway for different kind of cards (e.g. Debit Card, Credit Card). Beside they uses a unified payment gateway for both Credit/Debit card and that is the reason it shows all the errors in terms of credit card, beside showing debit card.

Are u absolutely sure that corporation bank international debit card with net banking can be used in play store ?? . I need to know b4 opening an account. Please . and does icici bank provides zero balance account for students ?

Corporation Bank international card does work, but sometime it does not. Whereas ICICI bank card works fine. ICICI bank provides zero balance account in two cases only if you get one demat account or if you get one salary account. For students, I don’t know that whether any special scheme is present.

bro your article is good … i want a debit card which is accepted by paypal. i am a student so i cant get credit card .. please help me . it will help me for my internet marketing .. waiting for your answer

Hi Praveen, thank you for your kind feedback. First problem of your request is that you are a student and the second problem is that you are looking for a debit card that will work in PayPal. In this situation, I will suggest you to get ICICI bank debit card and call their customer care to activate the international transactions. I’m not sure that it will 100% work in PayPal, but it may. Now if you are looking for why debit card wont work in PayPal, I will suggest you to read my previous comments on this post.

Saumya, these issues are related to VBV(Verified By Visa )/ MSC (MasterCard Secure Code)/OTP(One Time (random) Password), an “additional layer” of extra security built into the Indiandebit Cards. Google and host of other payment gateways need to implement this additional layer of verification). For now some banks are bypassing this and that’s the reason why some cards are processed and some ain’t. Moreover it looks like more and more debit cards are going to permanently all over the world implement VBV(Verified By Visa )/ MSC (MasterCard Secure Code)/OTP(One Time (random) Password).

Hi Paul, I do know that. But only a very few Indian Banks bypass that layer of security. That’s the problem to us, but to the RBI and banking authorities, they don’t care about this issue. Infact RBI has stated many rules regarding international payment, so that they can reduce the amount of money goes outside of the country.

Well, Saumya!! That’s we are weak Indian, which I really hate to be!! As u said “That’s the problem to us, but to the RBI and banking authorities, they don’t care about this issue. In fact RBI has stated many rules regarding international payment, so that they can reduce the amount of money goes outside of the country.” Raghuram Rajan Should Understand our Indian Position My Friend, Make a place for developer alike at par with International developer’s b’cause we are worth It!!! May be He will understand through This Blog!! We Indian Developer’s Want a Space Mr. Raghuram Rajan!! Give it to US!!

HaHaHa…. My friend, as I said earlier, they don’t care about my blog or whatever Indian Developer community feels about it. As per RBI if you really need to pay internationally desperately, go for a credit card. Even tough you have money in your bank you are forced to credit from the banks so that they can earn more from you, if you miss to pay your bills. It’s not USA my friend, it’s India, so it’s better to accept it. India being such a huge IT hub, Indian government doesn’t care about the need of IT people. That’s what hurts me most.

Actually ppl shud feel lucky if their cards work, bcz as per RBI none of the cards are supposed to work as it has been made mandatory for all cards to go through VbV / 3D mastersecure code verification. As far as SBI is concerned, none of its cards are working, nor even credit, bt surprisingly for some ppl who have opened their accounts before 2007 report it to be working, as claimed by SBI too, bcz SBI claims that it has not updated its database for customers with accounts before 2007.

You are extremely right my friend. But someday SBI will update their database and even the users opened their account before 2007 will fall in the same hole and in the end the RBI and banking authority will laugh on our situation and also will be so happy that they are forcefully stopped the outward flow of Indian money to other countries. Beside I never knew that SBI Credit Cards also don’t work for international payment. It really hurts. If you ask me personally, SBI is the worst bank I’ve ever used in my life. I know many people will argue about it and they love SBI, I don’t have any disrespect for those people. If you love SBI, keep using it. But as an IT professional, I personally hate SBI for many reasons.

can anyone with working debit card on google play can share it with me pls . I need to buy an app . . I can’t afford icici . . corporation I tried . . it didn’t work . . I have SBI and syndicate . both won’t work . . so anyone . . I will pay u back . . . once pls . . just once . .

I think nobody is gonna do that. Beside I personally don’t like this idea what you are asking for. It is better to ask anyone in your family or friends. In online I don’t suggest anyone to share this kind of information with any other person, for their own account security.

Dude, better ask within your family or friends. Well besides the cards mentioned by the author, you can try KOTAK MAHINDRA and HDFC debit cards, but in case of HDFC, you have to unlock your debit card manually by requesting your bank to make it interbational card. Right now only these 3 bank’s debit cards workvwith google play(ICICI, HDFC and KOTAK MAHINDRA). But i guess even HSBC bank cards should also work as its not an Indian bank.

@FBH: I haven’t get any actual conformation that KOTAK MAHINDRA, HDFC and HSBC cards is working in PayPal or Google Wallet, so I haven’t added them in my list, as I don’t wanna give any false information to my readers. But if you get valid proof that they are working, please share that with me and I will definitely add them in my list. Beside many people conformed that their HDFC card is not working in this places.

hi Saumy, i purchase a phone from a international merchant, my card is corporation bank debit card which does not have an international logo but still it accepted the payment to Singapore. now, when i add the same card to wallet it does not accept it.

Hi Ayub, I do the feelings you are currently having right now. I have also faced this kind of experience many times. The magical part it, these banks creates there security protocol such a way that no one knows what actually supports on which cards. Beside if any bank’s IT development team includes any more security layer, normal bank personnel doesn’t get aware about that. Because in India, no banks takes International transactions that much seriously, unless it is related to any fraud case. Hence my suggestion will be to opt for ICICI bank debit card, as it has been physically tested and working fine.

Hey Saumya, Have gone through all the comments above and whilst I am myself frustrated and looking for a card that will work with PayPal, I didn’t like your attitude towards RBI by calling it “Disgusting” countless times. Sure it implements this restriction, but that is for the safety of the Indian banker. As Indians are still not-so-educated about online banking, they easily enter into scams and may end up emptying their entire bank balance. With Credit Cards, there is advanced protection in the form of liability insurance and all and that’s why majority of them are still able to pay on international sites without feeding the VBV code. CCs still carry a limit while Debit Cards can be emptied in fractions. ICICI and Axis bank are two big banks and a big part of their business customers make international transactions and hence it becomes more important for them to be able to send payments even when a VBV verification is not asked. Also, customers of these banks are more aware of how all the banking system works, whereas the PSUs are banks for an average Indian who is still new to the world of online shopping. Thanks a lot for this article though. My Vijaya Bank Visa card works on Windows Store, but fails on Google Play or PayPal. I will be checking out an ICICI bank Debit Card if I get some relief while making payments for my Web Hosting and CDN services besides others. And don’t the American banks charge interest and late payment charges? Come on. They barely have Debit Cards that work online. Indian Debit Cards still work at a lot of places. Works fine on Google Play, PayPal and everywhere you want to use. Actually, that is how i pay for my hosting 😛 Before you get mad at me for spreading false info, here’s the proof 😉

Hi Narender, I’m really sorry to hear that you didn’t like my attitude regarding this topic, but this is my true attitune regarding this matter. I partly agree with most of your points you have mentioned above. India has higher smartphone usage than USA (Case Study) beside not only the private Indian Banks but also almost every Indian PSU Banks now provide smartphone applications to do banking with the respective banks. So, I guess your above point “the PSUs are banks for an average Indian who is still new to the world of online shopping” is not quite true. I do agree that old bankers are not quite educated about all this international payment and all the risk factors. But 78% of new account opens in any PSU banks are generally by the youth of this generation who are living their daily life in a smart world where he/she gets the weather forecast just by talking with their phones. This is not only PSU banks, many private bank account holders are there who feels that if they purchase any product from online and pay the price with their card the website is just gonna take the money and won’t give the product in return. I do understand that RBI has made those rules for extra security but the reason I called their rules “Disgusting” is because they have forcefully made this rule madetory & unchangeable for all cards, which I felt bad about. They they just made this rule default for all cards like ICICI does and after that pwer users who are quite aware that what they are doing can place a request to open up the international transaction then I guess no one will had any issue. Beside now if you get a chip based credit card it also won’t work for online international transactions. Only a few banks credit cards allow that like CITI, ICICI etc. Also now a days if a person a use a smartphone then if he wants to gather the information about online international transactions it is just a click away. About the American and Canadian banks their debit cards works for all merchants regardless of which bank the Payer have. They mostly use credit cards, because they prefer to be in credit and pay the bill in the end of every month like we do. But even In US getting a debit card is more easier than getting a credit cards just like us. Even if your entropay cards got works I personally feel that using a physical card directly have more advantage than using VCC because if you just want to purchase a product worth $3 or $5 and you have entropay account balance $0.00, you first have to add funds in your card which has a minimum limit ($20) and that amount will be charged in Euro, so the transaction you made from your bank to entropay will be INR -> EURO. Then again when you use your VCC in PayPal they will again cuts some extra charges. Beside if you directly pay through your Indian card, it will be just one conversion and one charge INR to whatever currency you are paying. But in the end if you are happy with entropay the go with it no one has forced you to stop using entropay. I also had an entropay card before having ICICI card.

Sad that you actually joined my comments together. They were supposed to work for two different conversations. I only mentioned the entropay thing because you mentioned multiple times that it doesn’t work and accused others of being paid for posting such comments, but it were you who was wrong there. As about the minimum, you can load a minimum of $5 to your Entropay account, its not 20. PayPal fees is basically paid by the seller (or who receives money), so you don’t pay anything beyond the entropay fees and surely the conversion fees and broker commission charged by the bank. I don’t regard Entropay as a solution, but as an alternative if nothing else helps. As I told you, I am myself looking for a better way to make payments as loading the entropay card feels like a waste of time to me. That’s the only reason why I arrived on this page.

I agree with you that our banking has modernized. There are more Cash Deposit Kiosks than ever, there are more users of net banking and online payment services. But what I talked about is the security. Honestly speaking, do you find your friends actually aware of how the banking system works actually? Sure the youth knows how to transact online, but I can bet on the fact that a vast majority don’t know how to stay secure online. That is why they fall prey to phishing scams and what not. They don’t know what to do if their transaction fails, they don’t know which website is secure enough to enter their card details on, they don’t know if their PC has a KeyLogger running, etc etc. The banks also don’t have trained enough staff to make users aware of these things and help them out.

A debit card will always be more easier to get than a credit card, but did you check how American banks provide security on their cards? Compare that with Indian debit cards. A transaction that successfully happens, even if fraudulent, is no duty of the bank. All you can do is file a police complaint and proceed with it. On the other hand American banks will themselves provide you with enough support and will probably issue the funds back to your bank within a matter of days. In short, there the banks secure you, here you need to secure yourself as banks take no responsibility.

VBV is a great tool to improve the security of the cards and comes straight from the developed countries. It is not RBI’s problem if the other big companies can’t make tiny changes to their payment mechanism. I’d however always want more freedom being given to those who want to take responsibility of their own money and the transactions. One fine day, there limitations might be eased up, or else the bigger companies will start taking security more seriously. Till then, have you seen the new Credit Cards which come with Digital Screens and TouchPads to make OTP generation easier and hassle free? I guess that’s the future 😀

I have opened an account in ICICI. After account has been activated, I called and asked them activate international transactions and within a hour, I was able to use my card with no issues. I haven’t tried on Paypal yet, but will update on the same soon.

Also people who have an international debit card of HDFC, they can do the same too. They will activate too. Atleast for the Platinum card.

I’m glad that it helped you. Yes please update me if it works in PayPal and for the HDFC cards, not all card works for online international payment. Some cord do work tough, but it is very inconsistent and that is why I don’t suggest HDFC. Many people have conformed that their HDFC card is not working for online international payment.

I’m really sorry to say that you cannot add funds into your PayPal account, because this is against RBI rules. PayPal have modified their website for India, so that it follows all the rules mentioned by RBI, otherwise in early 2002 RBI has decided to block PayPal in India, that is why they modified their site for India. As per Indian RBI rules you can’t add funds in your PayPal account, even if someone send you some amount in your PayPal, you cannot hold that money in your PayPal or can’t even reuse in some other site. The only thing you can do with Indian PayPal is that you can directly pay any invoice by using your PayPal account and the amount will automatically deducted from your bank. Try to purchase anything by using your PayPal account, it will work.

Hi Saumya Majumder, I have a doubt about using paypal current balance. I have a SBI visa debit card but I know it is cannot be linked to paypal for purchase. I need to buy an item from international ebay site. I know paypal cannot hold the balance for more than one day if someone send it to my account. Can I shop with ebay.com by using that balance (Same Day)??. Getting an ICICI account debit card will take a few days bcoz I need to create an account first in that bank. But I need to purchase the item with in 1 or 2 days. Can You/any other one clear this pls?

Hi Mashood, I do understand your urgency about this but if you’ve read my previous comments you will have your answer in your hand by now. As per RBI rule, PayPal cannot operate in India at it’s full fledged manner. This are the restrictions putted by RBI to PayPal – first no one can hold their PayPal balance in their PayPal account more than 24hrs. It will get auto withdrawal after 24hrs, even the amount is less than $10 (which is mainly against International PayPal withdrawal policy). Secondly Even if you have any account balance in your PayPal for any day, you cannot use it on any other medium except withdrawing it to your bank. The only way to purchase using PayPal in India is to add your card which is accepted by PayPal, then when you try to pay any invoice, PayPal will charge the amount from your account including all the conversion charges. I hope you’ve got the answer of your question.

I can’t conform you that because some have conformed that it is working after manually activating international payment feature by calling the customer care. Also some said that it is not working, so you can try. If it works, please let me know here.

First of all yes I think ICICI band debit card (International Payment Activated) will work with kindle and second of all like most of the Indians, you also have a misconception that SBI is a nationalized bank. But the trust is, no bank in India is nationalized or Government Bank except RBI. All other PSU banks are Government undertaking. Hope this helps.

Hello sir I got an ICICI debit card (the account got activated just today morning), and also contacted customer care to activate international transactions, 2 hours ago. But even now I’m unable to register on Paypal. When i try to add this card, it gives an error “The bank that issued your card didn’t approve this transaction”. I went for ICICI only because everyone seems to be having success with it on Paypal. But now if this doesn’t work for me, I’m a goner. What could be wrong? Also, is it necessary to first register for ‘Verified by Visa’ before trying to add the card on Paypal? I don’t want to do anything without confirmation, because the process is too finicky and I don’t want to mess things up. I opened a new savings account at ICICI specifically for international transactions, so i wouldn’t want that to go wasted.

You do things very hurry, that’s your problem. If your account got activated today morning, you should be waiting for at least 24 hrs then your first transaction. Then you should be doing some national online transactions (e.g. Snapdeal, Amazon.in etc.) then you should call the customer care to activate international transaction. This is a whole week process. Whoever got succeeded, they got succeed in this way. Follow this path.

Thanks for your response. Turns out this was not due to my hurry. The idiot from customer care who spoke to me initially, had not even raised the international transaction activation request, and even the reference number he gave was wrong. When I called them again, another guy asked me for many details (such as last 4 digits of card, mother’s name etc.) and gave me another reference number. he also told me that previously no request had been raised. After this, i got confirmation though sms about the activation, then I liked the card to paypal and completed the transaction without any issues. I was in a hurry because I had purchased an item from ebay USA (which showed up in ebay India results), but was unable to pay for it with my SBI credit card. I was shocked because I didn’t know that even some credit cards don’t work for international transactions (this was my first international transaction). When I contacted SBI, they too were clueless about this. The seller was threatening to open an ‘unpaid item’ case on eBay against me. That’s why I was in a hurry to make the payment. I opened the ICICI account today, immediately deposited enough cash in it to make the payment, and finally was able to do it.

Thanks pal! Its working as of now, but we don’t really know when it gets blocked like all other banks’ debit cards. So I will be getting a credit card too from ICICI based on fixed deposit, within a week. I’m a freelance software developer, so I can’t really provide any kind of income proof for a regular credit card. And I guess having a credit card is a safe bet because the debit card may get blocked for international transactions at any point without warning or intimation.

Yah, that’s for sure. But I don’t think ICICI guys will gonna stop this international payment option soon, because if they do so, then they will loose many customers like you me and others. But it’s true if RBI guys force them to stop this, then they might stop their international payment option.

Hi deepak, nothing is wrong or blocked by me in my blog. The solution you have posted in the comment, seems to be like spam comment that is why it is not start showing in the comment section. Many people have posted links before without any issue. But anyways, as you’ve mentioned to use “Entropay” virtual credit card, but let me clarify this to everyone here that Entropay cards will not get accepted by Google Wallet and PayPal India account and you won’t be able to pay for your required things. I do know that many other website out there is claiming that Entropay will work, but let me tell you the truth that it wont. But the entropay card got accepted in some some sites who uses their personal gateway. Skrill accept entropay but not PayPal and Google Wallet. Many people have loose their money by getting into entropay. Also make sure that after adding funds to your entropay card, you cannot revert it have. It will stay there and you have to use it through entropay only. I also had my entropay account and this is my experience. Now its upto all of your if you want to make sure that whether entropay is working or not and taking the risk on your money then do it otherwise get a ICICI bank debit card (My preference).

Hi saumya!! Firstly thanks to you for providing valuable information. But what I really wanted to ask is if entropay and all are fake then why they are showing fake and wrong information in many sites (not in one or two sites)?? Too many sites can’t be wrong!!! And yeah if they all providing fake information then strict action should be taken against them. you are a good software developer and know better how to do that.

I never said that entropay is fake. Entropay is a very legit site for creating virtual credit card, but the problem is most of the payment gateway (like PayPal, Google Wallet, Skrill etc.) does not support to pay via virtual credit card. So in the end, the money you have invested create a virtual credit card and to add money into it will be a complete waist. What I denoted as “fake/lie” is that “entropay virtual credit cards are accepted in PayPal/Google Wallet”. Beside that they reason many website is showing up this information is because 97% author on internet does not research about a topic deeply before writing about it. They just read some forums, other blog post about related topic and then mix all up to create a new one. This is what we call “regeneration of post”. Now if some site provided any wrong info, he just pass the same wrong info to his own post and this is the way this whole things happen. If you have any doubt, you can try yourself by creating a entropay card and then try to pay with it in PayPal. I hope I made my point.

To my knowledge my brother using icici debit card salary account for google wallet for past 4 yrs not even once got rejected or payment disapproved. Dont worry they wont withdraw.He only suggested me to adopt the same.Another info if you want to purchase any app or song or any in itunes they debit one dollar charge first time before debiting for purchase(whatever bought) as a card added fee. Nowere this stated but happened to me. will happen only once to discourage people removing their card info in itunes.Beware.

i was creating a paypal account to be used for ebay internatonally and was unable to connect my coorporation bank credit card to the paypal account…i called the coorp bank credit card hq and they said i need to send an email to someone at coorp and ask them to lift the block for paypal..i just did it…im still waiting…will keep you posted if the block was removed or not.. $ 1 could not be charged coz of the block..so the paypal could not verify if my credit was functioning or not… has anyone had any such issues with coorp bank credit card with paypal..? where you finally able to use paypal through coorporation credit card…?

Thanks for your article I will be submitting projects in freelancer.com . Will it support any credit card from Axis bank for payment gateway or does it require any special type of credit card as there are too many list of Credit cards as I don’t know which one to go for. Does all credit card from Axis support paypal, skrill and google wallet. Pls let me know

As per RBI rules Axis credit cards should get accepted as it is a credit card. But now-a-days bevery banks are doing redicoluous stuffs to block international payments so that Indian money stays within India. If you already did not applied for the Axis Bank credit card, I will suggest you to get the credit card with ICICI bank, as I’ve personally used it and it worked without any issues.

But this is against the rule, as per international card verification law, the money which has been deducted from your account for card verification should be returned to your account. Not only Google, even PayPal, Skrill all follows this rule, I don’t know why Apple did this kind of thing. This is really bad, indeed.

Yes, after reading the news, it really broke my heart. Again RBI is back with their disgusting strategies to block Indian money goes outside. I never really understand that where the main culprits are sending crores and crores of money to the Swiss Account, and RBI do nothing about it, but when an Indian citizen wants to purchase or spend their money on any international manner, at that moment all the rules of RBI comes up. Tough what more to expect from a third world country and its third class banking system, where banking system only cares about 3DSecure Payment and all other bullshits like it. Because they know that no international authority is gonna change their payment system just for a single country’s disgusting bank rules. If ICICI also close their international payment, then we are almost doomed and only one option will stay open is to get a CITI Bank Card. Being an American Bank I hope they will give proper respect to the developer community like they do now.

Hi Deepak, I really don’t know why you share wrong/fake info with the rest of the world. I do know that entropay doesn’t work with Google Wallet or PayPal, I’ve also clarified you about this. But you still do spam about entropay. I really don’t know that whether you get some money for doing this kind of spam. I’ve also tracked your IP and I’ve seen that not only in my blog but also in many other site/forum you post the same wrong information to encourage people to go with entropay and then they will realize that they wasted their money. Anyways please don’t spam in my blog anymore otherwise I’ve to take strict action against your IP and I’ve top block you from my site.

We have a platinum business debit card from axis bank. It is working perfectly with Indian gateway’s such as ccavenue. While making payment through 2checkout for an international transaction, it fails. kindly advice.

There is really nothing much to say about it my friend. If you read my post and few of my previous comments, you will understand that RBI is the main culprit behind it, Currently the only way-out is ICICI Debit or Credit Card.

is really work.. i am creating my icici debit.. tomorrow.. do i have to call costumer care to activate the international transaction.. or should i take to bank manger to active it when i creating my debit card?

I have applied for an icici gold account seeing your post. They gave me a platinum debit card and other things, and said the account and card will be activated within an hour. I used the card at an ATM to activate it as per instructions (almost after 10 hours after i left the bank). It shows me the balance but when I try to withdraw it says invalid account. I called up local customer care, it says the number is invalid. I called the state customer care department and he says your account is not “OPEN” yet. He also said it can be used for paypal and you need to apply for 3D Secure.

Now 3 questions:

1. How much time will it generally take for actiavation.

2. He says apply for 3D secure. Now, if I do so then what about international paymets? I’m stuck here.

3. Important one! I told him that tomorrow I’ll call you once the account is active and you people need to activate my card for international payments. He says there is nothing as such, you can you directly. One more thing he added, “you can add your icici bank account to paypal and pay using the balance in the bank even without a card”

It’s a long message but if you can give a detailed response I will be thankful as I’m in urgent need to use paypal and I have opened a gold account seeing comments here 🙂

As there is a very old saying, “the faster you go, the more you fall”. What I will suggest you to go slow. You have to wait for at least 24hrs for activating your bank account and debit card. I will suggest you to wait for atleast 24-48hrs, then call to your state customer care from the numbers mentioned in ICICI Bank website. Ask then whether your bank account, debit card, internet banking – all of them are sucessfully activated or not. If they conformed you that all of these things are sucessfully activated in your account then go to your nearest ATM try to withdraw some amount. Then for the best case senario, I will suggest you to purchase something from any Indian Website like Snapdeal, Flipkart, Amazon.in etc. or you can directly visit ICICI Banks’s website to generate your 3D Secure Pin. After you’ve generated your 3D Secure Pin sucessfully, again call to your state customer care and tell them you want to activate “Online International Payment” option on your card. If the customer service executive says thet there is no such thing, then talk with his executive. It might possible the customer service guy doesn’t aware of it. They will take a request to activate online international payment on your card and it takes atleast 24hrs to activate. After activation, you are good to go with as much international payment you want to do with your card. Again 3D secure Pin is for national payment, there is no link of it with the international payments. You must get your 3D Secure Pin and also apply for activating online international payment. One more thing “Paying using your bank account in PayPal” is only available in International PayPal, not for the Indian PayPal (RBI Rule). The only way to pay in PayPal India is via card. The bank account you will add in your PayPal account will only be used for withdrawling your PayPal funds, if anybody sents you something. As the is no such concept of “Add Fund” in PayPal India. I hope this helps.

Also, Thanks a lot for running this blog. It’s really helping people like us.

Yes, you were right. I got a message today that the account verification has started and within a few hours they sent me that the account is active. I called customer care and asked to activate it for international payments.. she said it is already active for international payments.. then I had to tell her the whole process of paypal and all for she did connect me to the executive. The executive person initiated my request and said that it will be activated within 2 to 24 hours and i will receive a message. I tried to ask him about the 3D secure so he connected me back to customer care.

They say registering for 3D secure in mandatory but I have read on other forums that “the reason for a few icici debit cards being rejected by paypal is because registering with 3D Secure” So I presume it will be an obstacle for paypal. I don’t need it for domestic payments as I have ‘n’ number of cards to do so which I have been collecting since 3 years hoping at least one would work for paypal 🙁

As you said your icici debit card is working with paypal, did you register for 3D Secure. If so, then have you registered before linking it to paypal or after linking it to paypal.

Also, I want to try the card at paypal without registering for 3D secure and if it’s not accepted then I will go for 3D secure and try at paypal again. Is that a good idea?

If you ask me what I did, then I will suggest you to first verify your card in PayPal and Google Wallet and then generate 3D Secure Pin. This is what I did on my own card. But before all that first wait for 2 days to activate the international payment properly. Anyways thank you very much for your appreciation.

brother ,,saumya ..can we use indian overseas bank for doing international payments..or corporation bank which type of debit card i should avail ..to do international payments on ebay.com,,bestbuy.com,,amazon.com..

Hi Saumya, I am from hyderabad. ..tru my friend I have come to know that we can earn money tru bubblews website….So I have started it 10 days before and in the payment options they have mentioned to create a paypal account for redemption after we reach to 50$.Now I have 42$ still 8$ for redeem but before I redeem I have to create a paypal account….Now I am in confused state what to do bcz I have accounts in 3 banks…..SBI,Andhra bank and corporation bank but just now I have read all the comments that they won’t accept PAYPAL.I don’t have even credit card. What Should I do now…I don’t know anything about the banks.Do I have to open Icici account for that….but I can’t afford that much.Do I have to quit for work in bubblews …..what should I do now……plz waiting for ur response bcz I don’t want to waste my time if it won’t works out….

Hi Hima, if you will be getting paid through PayPal, means if someone or some other company sends you money on your PayPal account and you are thinking about withdrawing that amount into your bank, then you don’t need to worry about whether it is ICICI or CITI or SBI. PayPal pays all the money through NEFT in India, so, no matter what bank it is, if your bank and account supports NEFT transaction then you can add your bank account into PayPal and you money will be transferred to your bank account. The problem comes when you are trying to pay someone through PayPal, at that moment you might have to think about ICICI Bank, but if your main motive of PayPal is to just getting paid through it, then you have no problem at all with any banks in India.

Just open a normal saving account with ICICI Bank. Anyways I will suggest you to read the conclusion part of my above post carefully most of the things are mentioned there. If you want to dig deep, then keep reading all the comments which are posted above, you will have all your answers in your hand in no-time.

i just want to ask last question…can i directly pay in amazon.com, ebay. com using icici bank card or i will have to create account in paypal ..i am bit confused..i want to order something at my friend address in usa..i have learned most of the things..

If it allows you to pay by cards, I guess you can do it then. Try it out I’vent tried it by my own but if you try let me know what happens. Before trying to purchase with PayPal, try to use their direct payment method by your card.

Activated international payment on ICICI Smart Shopper in 2 hours today. Added card to Google wallet (deducted Rs. 50 for verification and refunded) and iTunes(deducted Rs.60 – not yet refunded). The process I followed was to first activate card in ATM after receiving PIN and changing it, then initiated Verified by Visa 3D secure activation prior to asking Customer Care to activate International payment. The executive told me that in the case of ICICI, as per their guidelines from RBI, all debit cards, will by default not have international payment activated. It is up to the client to ask for activation which can be done in 2 hours. Also there are two types of activation. temporary for a few days and permanent activation. Also he told me that the charges to card for international transactions are as follows: They will levy an additional 2.5% of current currency value on the day of transaction as service surcharge. Due to Paypal site error I have not yet been able to link the card to Paypal, but will do so soon.

Thank you very much for sharing the info mate. Being an unfortunate Indian citizen, this is more happier that they are allowing us to do online international payment rather than blocking it up like almost all other banks in India. So, having ability to pay online is more exiting than have to pay 2.5%. Beside this 2.5% charge is also applicable for Credit Cards, so there is nothing special about it.

I’ve not tried it as PayPal don’t support adding funds from bank account in India, but skrill does but I never tried with my bank account, I’ve always tried my debit card, hence I’ll suggest you ICICI Bank.

As you are giving us the latest information hence please let us know that whether it is working with Skrill and Paypall. To avail the facility of ICICI Smart Shopper card what type of account is required Basic Savings Account Or a Regular Savings Account. Shall wait for your reply

As I have stated earlier that it is working perfectly with Google Wallet and PayPal. You can also use it with Skrill without any issues. Also about opening an account, just visit your nearest ICICI Branch and ask for opening a saving account.

Hi ! Saumya bro, Your blog helped me a lot when I was frustrated because of unable to purchase using my Bank of India debit card from an international website through PayPal. I came to know about your blog and got the whole picture.Thanks a lot bro! I just opened a zero balance account in ICICI bank and got VISA smart shopper debit card.Now can you please tell me 1)Is it absolutely necessary to generate visa 3D secure pin,as I will use this card only for overseas purchase? 2)Is it compulsory to create a PayPal account and add my card to make the payment?I mean I already created a PayPal account but is it possible to just pay through PayPal using the card only or I have to add the the card to PayPal? 3)And one more thing, is there any toll free customer care number for ICICI bank,as every time I call this number(8101667777), I have to hold minimum 6-7 minutes to talk to a phone banking officer and it is not toll free! Every other bank I know has toll free CC number but not ICICI bank.

Hi Kundan, I’m really glad to know that my site helped you out. Anyways for your first question I will say that this is mandetory to generate 3D Secure Pin as per RBI. What I’ll suggest you is after request your state ICICI Customer care to activate online international payment on your card and when it is actually got accepted, then first add your Card in PayPal, Google Wallet, Skrill etc. Wherever you want. After this you generate 3D Secure Pin. You can also use your card without 3D Secure Pin on your own risk, but as this is RBI rule ICICI might ask you to generate that. I think that will not be an issue if online international payment has been activated in your card. In my own card, I’ve aclo activated 3D Secure pin after adding it to all the required places. For your second question I will say that if you do have an existing PayPal account, you do not have to create a new one, also this is against PayPal policy, you better add your new card in your existing account. I’ll suggest you to add your card into your account to avaoid the card verification charge everytime you will put your card number in PayPal payment. Fo the third question I’ll say that yes ICICI does not have a toll-free customer care number, but the quality of customer service they provide instade of other banks, I think the calling charge is ok for that. Almost evry problem can be solved by the customer. Unless the problem is very critical and need some signature the customer service executive won’t ask you to visit the branch. I hope this will help.

Thank you for this post. It has saved me much Frustration of trying to get my card approved. Also, In the Photo It is shown that SBI credit cards are not accepted. But just underneath you have written that “But credit cards are allowed.”

So Are SBI ‘credit cards’ accepted or not ? Debit cards are not accepted, that much is clear…

Hi Moulick, I’m really sorry for the misunderstanding. I mentioned the credit card work in generic manner, but unfortunately most of the PSU banks Like SBI, UBI, BOI etc. credit cards won’t allow you to do online international transaction. Tough some have conformed that those people who had a SBI credit card taken before the year 2005, is working for online international transaction for some extent. If you truly looking for a online international transaction based card, I will suggest you to go with ICICI Bank, either a debit or credit card which ever is suitable for you.

Hi SAUMYA, I don’t think it’s an issue with RBI rule. If it’s because of an RBI rule, how can ICICI bank provide this service. There is difference in transaction between Credit Card and Debit Card.

Thanks to Pooja Kirtani, who posted a detailed reply in a Google forum. An Indian Debit card of XYZ bank will make payments directly through your bank account which is in INR. Google Wallet (and a bunch of others like PayPal, Amazon.com etc) are American companies. Their charges are obviously in USD. Therefore, when you try to pay with your Debit card, they cannot accept it as you’re money is not in their currency, and there’s no third-party involved for foreign exchanges.

Technically, credit cards allow you to pay for what your buying without actually having the requisite funds in your bank, but based on your capacity to pay in either in whole/part at the end of the payment cycle (usually a month). Usually, a third-party (Credit card company) pays the merchant and the money is paid back once you pay your monthly credit card bill (or through your bank account if you fail to make the payment). Unlike Credit cards, payments using a Debit card transfer funds immediately rather than on a later date. So technically, a Credit card is like a short-term loan while a Debit card is like actually carrying your **money** around in a safe and compact manner. Here lies the difference. You can read complete answer here – http://goo.gl/I7A2p4

Thank you Saumya for preparing an article about this issue. For your information I’m using my ICICI debit card in Paypal & Google Wallet, both works without any problem. I should also inform you that, I have also wasted money by upgrading my SBI debit card from “Classic: to “International Debit Card” & it get rejected in Paypal& Google(It’s the SBI Customer Care guy told me to upgrade 🙁 )

Hi Sreejesh, I don’t know where did Pooja Kirtani got the info, I’ve already read her comment, but I’m not agree withe her comment. As she said “An Indian Debit card of XYZ bank will make payments directly through your bank account which is in INR.”. This doesnot matter that your bank account is is which currency. The major difference beween debit and credit card is for debit card you are paying from your owned money, but for debit card you are in debt of the bank because you will pay it later. It is something like Prepaid and Postpaid connection. In prepaid you pay first the use – which is our debit card, our money is already kept in the bank. But for post paid, you first use till the max of your credit limit, then you pay the bill. Even Indian credit cards also balance in INR currency. If you purchase anything let’s say in USD, you have to give extra amount for currency conversion charge and some transaction fee. Same will be deducted if you have an Indian credit card. If you dont trust my work, try to get access to a credit card which allows international payment, then try spending $10 in both your ICICI debit card and Credit card and then check what amount your bank has charged you on your debit card and what amount the bank billed on the credit card. It will be very same. Also let me give you another example, if you try to add money to your entropay account they will charge you in euro and I’ve paid it with my old corporation bank debit card, I think you can also add money to your entropay account by using any debit card as they supports 3D Secure Pin for adding fund gateway. At the time of payment on your 3D Secure page you will see that you has been charged in euro, but from your bank money has been deducted in INR, with some extra cost for that fees. In fact Pooja Kirtani has tried to copy/paste the very same post she has done in Google Forum, but I’ve rejected it for the reason that as per my knowledge-base the infos are not completely true. So I don’t want to provide wrong info to my beloved viewers and also it was a copy/paste of the comment she posted on Google forum. For this reason she has also emailed me and claimed that “I’ve written this post because ICICI guys has given me a lot of money for writing this post on their favor.” 😀 I hope now you do understand that whose post you are referencing on my site.

Hi SAUMYA, I din’t know that you already read this post & she also emailed you for the same. When I googled about this issue both the pages appeared. I felt her answer more convincing, that’s why I posted it here. Feel free to remove it, if you don’t like her answer here. I just thought it will be helpful for other members too. Anyway most accurate answer has to be given by the bank. Thanks for you prompt reply.

You see, I’m not a bank expert but as you can see I don’t do a lot of posting but what I do post I first do all the research before posting it. I’ve wasted almost $100 for doing all possible research activity for this post. So, I do know that what is actually happening behind the scene. Beside for the answer of the questing you asked that how ICICI allowed it, I also don’t know that yet, but as you can see this is not opened by default, you have request for it to get it activated, so I guess they open the facility as per user request and they have made their system such a way, but generally other banks don’t care about it so they don’t have this facility.

I really appreciate your effort behind this article. A clear answer is definitely helpful to lot of us. I have already raised a complaint in SBI(don’t know if they are going to answer me), otherwise an RTI will work. I will keep you updated if I get any new information. Thank you.

I’m really sorry to say you that won’t be much helpful to you or any of us, instead if start digging deep, RBI might force ICICI to stop the international payment feature and in the end you will be the looser, so I will suggest you to take up your complain. Beside if you want to dig deep into this matter and if you do wanna know that why did I blamed RBI, I will suggest you to visit this notification posted by RBI on their site and this detailed explanation post on inc42. Hope this helps.

Hi! Saumya bro, Just now I tried to add my ICICI debit card to PayPal,but sadly it got rejected.It is activated for international payment.Yesterday at 8 pm,I got a sms from ICICI bank,that said-”Your debit card has been activated for usage at international locations,atm,websites and mobile app”. I contacted PayPal and they told me that ICICI is not allowing them to deduct $1 verification charge from my account and told me to contact ICICI.When I contacted ICICI, they confirmed that my account,debit card and international payment option,all are activated properly and I can check that through purchasing anything from any international website.When I asked them about PayPal,they told that their tie up with PayPal has been ended(I don’t know whether it is true or not) .I then again called PayPal and told them about this,and they said that they can’t do any thing about this as it is the bank which is not allowing them to verify my card.I also want to mention that yesterday I made a small transaction through atm and my card is working perfectly and till now I haven’t generated VISA 3D secure pin.Now I’ve lost all of my hope!

Hi Kundan, this is very bad indeed. Have you applied for activateing online international transaction separately after getting your debit card (I hope you did). But when I did added my card, it got verified sucessfully without any issues. Infact many of my readers also conformed that their card is working fine. I really don’t know what is happening on your card, but whatever the representative said to you if that is true, then this is a very bad news for all of us indeed. I will suggest you to try to add youyr card after few days again also also call the customer care tomorrowand try to place a new request for activating online international payment and see what the representative says. If they says that it is already activated on your card like they said today, then the only way you will have to retry it again on paypal aftyer few days and check if it get accwepted luckily. PayPal guys really can’t do much things about this issue, its all in the respective banks hand. This is a really very bad news indeed. I hope ICICI will renew their tie up with PayPal (if that is true).

Yes bro,yesterday at around 6.30p.m. I requested them to activate international transaction.At first that particular lady representative didn’t clearly understand that what I was talking about.Then I explained her everything about PayPal and RBI’s ridiculous rules.After this she transferred my call to her executive and that person verified me by asking security questions like last 4 digits of my card number,mother’s maiden name etc.When he got satisfied,he told me that international transaction will be activated within 2-24 hrs and I will get a confirmation message,whenever it will get activated.After this I got that particular sms at 8 p.m.which I mentioned previously.I will surely do,what you have suggested.But I don’t hope for any good news in our country,where everyday we,the common men are suffered from these types of various ridiculous government rules.Anyways,thanks bro!

In hdfc netbanking for every savings a/c holder there is a separate menu for ‘debit cards’ underneath a option available to activate for international transactions and also modify the limit if needed. unfortunate none works… why the hell hdfc fooling people.

I have account in SBI and have the silver International Debit & Shopping Card, I have account in INGVYSYA as well and have the Mastercard Debit Card of it. Will nay of these work with paypal? If not these, then which is the best bank for international shopping services?

I did talk to customer care at ingvysya, they said I can apply for a chip & pin to make transaction to international companies. So should I get that instead of opening a new account in ICICI? One more question, my daughter will be using the Ingvysya card for international transactions through paypal but I’m not sure if she can add my card to her paypal account, is that possible?

If your daughter is successfully using Ingvysya card for international payment, it better to ask her about the procedure and if you can make it works for yours too, then please share the procedure to activate Ingvysya online international payment. As I’ve not tried this thing by myself, I will suggest you to talk with your daughter about Ingvysya’s procedure because she has already done this and using it successfully. I’ll be waiting to hear the procedure from you.

I think she can, but it is better to add the the card to their proper owners account, I mean, if the card name is ABC XYZ, then it is better to add the card on the PayPal account named of ABC XYZ, otherwise for the security reason PayPal might close the account. Why don’t you open up a new account on PayPal, its free of cost.

Hi! Saumya bro, As you suggested,today again I called ICICI and requested them to activate international transaction.I didn’t mention anything about my previous request.That representative transferred my call to the credit/debit card section.There that section officer verified me by asking security questions and for the first time( previously mentioned by Mr.Anupe) they asked me that whether I want temporary or permanent activation(I thought that now this is going to the right way). They told me that it will get activated within 2-24 hours and I will get a confirmation sms for that.Within one hour I got the same sms which I mentioned previously.But when I tried to add my card to PayPal, it again got rejected.I don’t know what to do now!

You know what Kundan, when I requested for the activation, they also said that I will receive a sms, but unfortunately I never received one and I’ve tried after 4 days of calling for activation and it got worked. You story is really painful, the only thing I have left to said you is, please try after 3-4 days and even then if your card doesn’t work, then I really don’t know what to say. Let me know what happen trying after 3-4 days.

HI, I Have a salaried account in Bank of India..Now I am working tru online. They told me to create an account in PayPal for money transfer.I think I no need to give my debitcard details while creating paypal account bcz it’s just to transfer my paypal money to my bank account. So is that ok if I provide just the account number of my bank.Will Bank of india allows such kind of tranfers from my paypal account to bank of india…waiting for ur quick response.

Thanks dear nice to here from you. …Today only I have created account in paypal and attached my bank details. …as I have a salaried account in Bank of India. …I gave that bank details. I hope I will get my transfers to my bank account tru paypal. Thanks…………..

I don’t know how, it shouldn’t work, but this worked for me, by creating a VCC using the entropay site. Its safe site. As the site claims it accepts even the no-use Maestro Card, i used my SBI(useless bank)’s Maestro Debit Card to top up my VCC. The minimum amount of top-up is $5. It deducted something INR 318 from my account as it says it will deduct a 5 or 25% extra. Now happened the strangest thing, my VCC is in dollars, yet it was accepted for Indian Payment i.e. in INR, I don’t know how. I provided a Random address, and it was accepted. I did it somewhere around mid July-2014. I have successfully done 5-6 purchases. It is accepted at the Google Play store, but havce no idea about Paypal. But this VCC is “NOT ACCEPTED” at itunes. Looks like itunes servers verify even your address details and hence it got rejected, as the VCC has no address proof, but it was accepted at Indian Google Play store, even though it was in dollars(or may be i am lucky)

Hi fbh, I guess you have mad the transaction on Google Play store by using your VCC a while ago. Now not only Google, also PayPal, iTunes, Apple, Skrill nobody accepts VCC, so you have to get a real physical card which will be accepted by these merchants.

Only those websites which support payment gateways VISA/Mastercard with support for 3D Secure Service or related security protocols will work with your debit/credit card, provided your card is also equally compatible for above gateways and protocols

To people beating their heads on walls in order to make their cards work with PayPal, why don’t you go for Entropay.

I tried 5 different bank accounts and when I got frustrated when all of them didn’t work with PayPal, I opted for Entropay and it works like a charm. Just you need to make sure that the currency is set to USD in both PayPal and Entropay VCC and you are saved from conversion fees too.

Now I am happily performing all my international transactions without any troubles and less fees.

The reason people don’t go with entropay is not only PayPal even Google Wallet and others also don’t support VCC now, May I ask you when did you added your card and when did you make any payment through PayPal using your VCC. Also if possible please share the screenshot of your Entropay VCC and the screenshot that it is got verified in PayPal. Entropay doesn’t work anymore.

The only reason you card is working that you’ve added your card a year ago when PayPal allowed to add VCC on their account, but now they don’t. I’ve tried it by myself. Even Google Wallet was supposed to work with VCC, but now they don’t. But many thanks for providing the screenshots.

First of all the amount I have to pay to get the premier entropay account and also the amount I have to pay extra every time I add fund, is much higher if I add a direct Indian Bank card. Beside while ICICI bank card is working, I don’t think there is any reason for doing this. Also as I’ve tried this by myself and it didn’t work, so I won’t suggest any of my readers to do this.

Hey naser,,,,, I too have.an entropay account. I got my vcc successfully linked to google play and paypal,,,, but its not working with itunes. Just asking, have you tried with itunes? And if it worked for you, when did u added your card to itunes? I tried around mid-july 2014 and it failed. But transactions with google play are working even today, just today i purchased some mini-games pack on miniclip’s 8 ball pool app.

Yes I know your VCC is working that is because you’ve added it while ago. Old verified card will keep working even if they no longer allow you too add same new cards. That is why your card is still working. But they won’t allow you to add new VCCs anymore.

Extremely sorry for late reply. I was out of town. Answering your question, nope I haven’t tried with iTunes. Saumya, you are misinformed I guess. There is no fees for premier entropay account. We only need to submit address proof and card documents. I got my premier account with in 24 hours. And about the top up fees, that is 4.95% for cards which may bother users doing transactions above $50. And even if you perform a transaction with an Indian card, you will be charged conversion fees which is a plus point for entropay.

Entropay is a good alternative for people who cannot get their cards to work at international points. I have used both SBI and Canara Bank cards.

Dear Naser, I’m really sorry for the misunderstanding, when I mentioned about the fee, I never meant to say that entropay takes any amount, I mentioned about that 4.95% + currency conversion charge. Beside not only SBI and Canara, I’ve used my Corporation Bank cards many times in entropay. Beside I also do have a Premium account in entropay, but if you ask me it is better to use direct bank cards like ICICI or CITI rather than using VCCs, as most the the major merchants stop verifying through VCCs.

I was always able to top up my entropay card by using my Corporation Bank debit card, when I used it and it even allowed the 3D secure payment precedure. Tough I’m not sure what they have currently done with their payment gateway.

I think it is all about the perspective bro. As You are lucky enough to get the card from the bank, you can enjoy the benefits. But I am not that lucky in that scene and I got attached with entropay now. Anyways, this conversation can go on and on unless we put a halt. 🙂

I really enjoyed in taking part in this conversation. Have a nice day 🙂

There is no luck brother about getting the card, you visit your nearest ICICI Branch and open up an account with them, you can also get the benefits. I’ve also enjoyed the conversation. Nice talking to you, thanks for sharing your infos.

SBI has stopped its gateway for entropay even though entropay is Visa Verfied or protected by 3D Secure Code. Even I used to top-up my entropay VCC using SBI Maestro. As of now, SBI has stopped its gateway for merchants where you have to pay in foreign currency(foreign currency means the amount which it shows while entering the VbV or 3D SecureCode. If it shows INR, your payment will be successful. The only method for SBI Debit Card holders is through net-banking, which will charge you min 637 INR extra as foreign currency conversion charges, charged by SBI. and again it will take 7 days minimum to be top-up(ed). So if u rely only on entropay, then prefer some other debit cards for top-up. Many other cards also might have restrictions exactly the same way as of SBI, but as SAUMYA said, his Corp Bank Debit Card worked, the same way, there might be other banks which may work with entropay.

But I guess slowly all Indian banks may gradually block their gateways for entropay, but for ICICI I guess it ll take time(as ICICI DEBIT cards too directly work with itunes, google play, paypal etc), but i recommend using direct bank’s cards instead of usding VCCs, but our banks………………………..aarrggghhhhh!!!!

This is not a post about which bank provides what kind of cards. Also I really don’t what you will do with a Maestro card. As per my knowledge SBI used to give this kind of useless cards many while ago, even they also give Visa now. I don’t know which bank still provides Maestro card in India.

Hi! Saumya, GOOD NEWS!! brother 😀 Just few hours ago I was able to add my ICICI debit card to PayPal successfully !! Day before yesterday I again called them and told them that I applied for ICICI account only for using PayPal, as some of my friends successfully added their card to PayPal and using it without any issues.At first that particular representative tried to convince me by giving those same answers,that this is the problem with PayPal and not from their side,contact PayPal etc.Then I told them that whenever I am trying to add my card to PayPal,it is showing an error,which says that the bank that issued my card doesn’t approve this transaction.I also told them that I already contacted PayPal and they also told me the same.After this that representative told me that he will forward this whole call recording to his higher authority and I will definitely get a proper answer within 24hrs and he told me to contact them after one day.Day before yesterday I was just casually trying to add my card(I was sure that again it will get rejected) and suddenly it worked! I didn’t need to call them again! Thank you bro,for all of your help!!

I cannot offord a Credit Card. But I want to purchase apps form Google Play. So what kind of ICICI Bank’s debit card is accepeted in Google Play? Please mention in detail if you can coz it will be a great help. Thanks in advance.

Hi you can get any ICICI Debit Card. You can just open a basic savings account and use the debit card given with your saving account by default. Just what you have to do is you have to call your state customer care of ICICI nad have to give a request to enable online international payments.

Am planning to upgrade my Punjab National Bank Debit card to Platinum Debit Card. Or atleast to a Chip Based Debit Card which support International transactions. Anyone know whether this is gonna work or not…I mean for both case. Thanks in advance.

As per my knowledge no PSU banks card (even PNB) will allow you to do international online transaction. Whether it be a chip based or non chip based card. My suggesting will be to open up an savings account in ICICI as I said earlier.

My doubt is whether ICICI Bank is charging huge amount for a basic account. I heard this from a friend of mine, I didnt even know how much authentic is this. Is this true. And someone commented above that PNB’s debit card is accepted in Google Wallet. Thats why I asked about PNB. I will be so greatful if someone provide me details regarding PNB. Else am gonna stick to ICICI as told by you.

The comment you’ve seen that his PNB card got added in Google Wallet, he didn’t conform that whether he was actually able to purchase anything through it. For many Indian bank cards, it got accepted in Google Wallet but it won’t allow any transactions. Many people has complained that their PNB card is not working in Google Play Store and PayPal, but if you think this new card is gonna work then you can try it out and let us know that whether it actually works or not. For ICICI savings account, yes it is really costly if you don’t have a salary account with them. Here in Kolkata, West Bengal (Metro City), they take Rs. 20,000/- for opening a savings account, but I cannot conform that what about will be applicable for your location, you better talk with your nearest ICICI branch if you want to open up a account with them.

Bro even my Chip Based SBI Gold Debit card isn’t working Please give me Method To buy from Google Play Store. I can’t open an account in ICICI or HDFC for their Initial balance amount is too high and for Being student I can’t use an Credit Card. Also Corporation Bank Blocked all Kind of Google Play Transactions via their new Cards so even you can add a card to Google play but you can’t purchase from it. please help.

I think you can open zero balance account with ICICI, as many of my readers has conformed that they have opened zero balance account with ICICI. You better talk with your nearest ICICI branch. You can know more about ICICI zero balance account here: http://goo.gl/0U2yHu I personally use a zero balance account of ICICI Bank.

Nothing much, it is kind of similar to PayPal verification process, they cut an arbitrary amount from your card then you have to put in the verification box, what exact amount they have deducted from your account. But for Skrill, if you don’t verify your card, it will still work and allow you to use your card.

The Basic Savings bank option is not available any more for regular customers. It has been discontinued wef Feb 2013. Under the link posted by Kundan, click the “Documents required” link and right at the bottom in ** disclaimer it is stated so. Only Basic Account with Simplified KYC is accepted now but that has an annual transaction limit of Rs. 1 lakh beyond which the account will be frozen. It is stated so in the documents required page of the bank. The relevant page is posted here too if you would like to check: http://goo.gl/0U2yHu Btw, I would like to update info that my ICICI Smart Shopper debit card has been accepted and activated on Paypal and Amazon US website for use.

I want to subscribe a paid membership on Dating Website, this dating site accept only credit card & paypal. I don’t want to use credit card, b’coz it isa bit risky to use credit card on these dating website. My query is how i can use Paypal for this dating website ? pls. also tell me is Paypal is legal in india, to open account with Paypal ? also tell me what kind of information paypal ask while opening account with paypal ? how to use paypal service so i can take membership of some dating website ? pls. reply soon, otherwise i will loose my international GF who sent me so many messages, but i unable to read just b’coz of i am not paid member. waiting for your reply, bye

What detailed reply you are looking for? I’ve already replied most of your question. If you asking guide you to open up a PayPal account then I’m sorry I can do that. Please do a little bit of Googling you will get to know how to open it. I’ve also provided you a video link where you can see how to open account in PayPal. Please let me know what more information I can give you which is related to my post.

Am trying to launch a mobile app for which i needed a google wallet merchant account. There is one thing i don’t understand…. If i signup using my Citibank credit card, just to open the account and later add my other saving bank account details (Axis bank)… is this allowed?

I keep hearing about people facing issue to open Google wallet with debit card but my question is if i have to receive payment can i link my Axis saving account ? Although i opened the account with Citibank credit card?

I am not sure about the process of receiving funds

I’d appreciate if you could share some info. btw… the saving bank account will be in a different name. I am just trying to use my friend’s credit card to open the account..

So the name on the credit card and the saving bank account will be different.

Hi vivek, I really don’t know how Google Pays for the Google Wallet merchants. Like Adsense they send a cheque to the address of the account owner, if that so, then you can cash out your cheque in any bank account of yours, but if they sent the money through NEFT (Like PayPal) or using SWIFT Code (Like Skrill) then also you can withdraw your funds to any bank account. All bank provide support for NEFT and SWIFT. But for SWIFT, the transaction cost is higher (almost Rs. 200/-). Hope this helps.

Hello Saumya, I wanted to make an international online payment for a software, but after repeatedly trying it said bank transaction denied. I’ve a syndicate bank account, my question is, does syndicate bank not even allow international payment to a software website? It is through “avangate”.

Hi Mahesh, welcome you to my site. You see, any online transaction you made online using your card, be it national or international payments, banks checks two main things. First, whether you are paying in your domestic currency or cross-currency and the payment gateway you are using to pay, whether it supports 3D Secure Pin or 3 Layer Authentication system. Around the world almost every country uses 2 steps payment authentication layer except India. Payment gateways and banks never categorize the payment on the basis of what you are purchasing, a software a game or a mobile or a app. Now most bank declines cross-currency online payment as per RBI Rule, also they deny transactions if the gateway dont supports 3 layers. Still some good banks in India like ICICI does allow you to do this things if you ask them to activate the online international transaction feature. Hope this helps.

Dear Saumya, Thanks a ton for the help and glad to be here. I know it was a very elementary question as it has already been answered by you earlier. I was wondering if there was a difference between paypal/wallet and just ‘shopping’ as sites like paypal keep your debit card details. Yes, you are right that my bank does ask me for a 3D password in all the domestic transactions. So, I spoke with the manager of syndicate bank and he asked me to come to the bank and he MIGHT be able to help if I write an application for the same. I’ll keep you posted on the same. Bye.

hello i have debit card of union bank of India. before 15 august it was not accepting by paypal. but now its linked with paypal successfull but not confirmed. send error message of confirm “The Credit Card Verification System used by PayPal is currently unavailable. Please try to link your credit card at a later time. We apologise for this inconvenience.” what to do now ?

If you would have read the previous comments or the post properly, you would have your answer by now. Anyways, yes it will work, but you have to activate international online transaction by calling the customer care.

Do you also have to open an PPF account of monthly recurring of 1500 rupees to maintain a zero balance/Basic ICICI account. They are telling me that it’s mandatory to open a zero balance account. Plz reply…

Actually I opened a 3 in 1 Demat account with ICICI and I got a zero balance account with that . Then my account got converted to my salary account by my company. So it is in the zero balance state anyway.

No.They also told me those b***t.I told them that I have checked their website and that basic savings account doesn’t need those things.After this when they saw that the customer is well informed,they were ready to open my zero balance account.

Hey KUNDAN Also I know that bro I’m asking a bad fevour from you! Can you please give me your a/c number so I can drag your reference to them? You can send it to me personally on my fb ac username is ‘surajitghosh50’ or in my mail surajitghosh50 @ gmail.com Please bro help otherwise I’ll have to close my a/c

hey NASER can u plz tell me one thing that how u top up your entropay card..as i already tried so many debit cards.. but not working in entropay.. so plz tell me this that you use which bank card to top up entropay?

Many Canara Bank Debit Card owners conforms that theor card doesn’t work in PayPal or Google Wallet. I will request you to provide a screenshot that your Canara Bank Debit Card got verified by PayPal and I will be more than happy to change the above bank table.

Hi I want to deposit money in skrill moneybooker and i am depositing with my pnb debit card and also with hdfc debit card but i cant do that please let me know which Indian bank’s debit card let me do that?

Sir please help me which Indian bank allow me to attach my debit card with skrill moneybooker. I heard that with canara bank i can attach my skrill account. please help me…….. I am unable to do this with hdfc and pnb debit card… please let me know….

I’ve only tried with Corporation Bank & my ICICI Bank card. The only think that I like about Skrill is your card will work fine even if you don’t verify your card. My ICICI Bank Card is also works fine. Take a look into the screenshots below: Hope this helps.

Hi Saumya, Before finding a conceptual and helpful site and post like yours, I had a misconception, that visa debit cards of any psu bank will be accepted by paypal. I was totally wrong. Thanks to you along with other readers for providing authentic information about online payments. In my case, problem is, there is no ICICI bank in our locality, AXIS and HDFC banks are there . So should I go for these banks or restrict myself to ICICI ? Especially for PayPal ….. waiting to hear from you …. thanks again

The various comments in your post is also very helpful! Many thanks to them too!

I read that you added your card successfully in PayPal before generating 3D Secure PIN.

After reading about this on other sites I’m regretting now as I already have generated the 3D Secure PIN and fear that’s the reason I can’t add it to PayPal and Google Wallet 🙁 . I get an error message:

PayPal: “The bank that issued your card didn’t approve this transaction. Please contact the card issuer’s customer service department if you have any questions. Or you can add a different card now to continue.”

Did you called your state customer care to enable the online international transaction on your card as mentioned in my post. Because this feature does not stay activated by default, you have place request for it. I don’t think the 3D Secure Pin is going to create any issue tough if online international payment is activated on your card. Let me know.

I had already activated international transaction feature earlier as instructed in your post. But prior to that I had enabled 3D Secure. I called up customer care and told them about the issue. Then I asked them whether I could disable 3D secure to add the card to PP and GW and re-enable it later. So then they disabled 3D Secure. When I tried to add the card after that,it was still giving the same error. I called them again and mentioned the problem.They put me on hold for a very long time and then they asked me to try adding the card once again in PP & GW. Voila! It Worked 🙂 !

After this was done, I re-enabled 3D Secure by calling them again 🙂 !

Many Many Thanks Again To Your Post and To The People whose comments added more value to your article 🙂 ! Hats off for such a brilliant post!

How can I say mate? RBI creates this kind of disgusting rules all the times. But I don’t think Google & Amazon are likely to change their payment gateway coding just for India. If RBI do so, then we will have no other way that either using pirated apps or waiting for the infinite time when Google will change their payment gateway code for India.

Well I recently started using ICICI debit card on google play. Actually I am waiting for FIFA15 to release but these new RBI rules scare me now, that by the time the game will be released(around 1st week of October) all cards payments well be blocked by RBI. 🙁

May Be or may not be. What can we say or do about that. Nobody is going to lilsten. If RBI restricts only INR transaction on all Indian Cards (Debit/Credit Card), we are completely scrwed up. Not just because of Google Play or PayPal, infact being an engineer and a deloper we all have to purchase many minor major things, scripts, designes etc. in cross currency, because USD is the international currency all over the world. So, I’ve no idea how the developer and tech community are going to live with this rediculous rules. But RBI always does that, it’s in their vain. So, the only possible outcome is to wait for the day when we Indians will be completely separated from all other people around the world and we might need any NRI friends to do our transactions. Because even if Google Play store does starts allowing Indian Cards payment, the whole world id not going to change their payment gateway coding for RBI’s rules.

Bro I successfully completed a transaction via PayPal yesterday and received the item.

Surprisingly today morning I received an email from PayPal addressing me with my name saying that I recently tried to pay with PayPal but the transaction was declined because my debit/credit card provider did not allow it to go through.

When I logged in to PayPal, I was shown a similar message about the transaction being declined on the “My Account” page. But the payment status of that transaction still showed as “completed” as it really was no problem with the transaction yesterday and I had received my item too.

Then I went to the “Update” page for my card and re-entered the details.

After saving it, the transaction declined message was gone. But I was again charged $1 just like the first time I added the card.

I had confirmed the card earlier and was charged $1.95 . None of these amounts($1+$1.95+$1) have been refunded yet.

Thats quite odd, nobody has shared this kind of issue before. But still whatever happens, look at the brigh side, you are using your actual plysical card in PayPal. Also about the verification amount, I still didn’t get that yet. I’ve contacted PayPal over Twitter and they said they will give me the reference number of the refund so that I can give that to my bank and check why I the amount didnot get refunded. But for that I have to wait for 30 days. You can also get in tough with them over Twitter @AskPayPal. Hope this helps.

the icici website says ** New account opening under Basic Savings Bank Account with Introduction has been discontinued w.e.f. 10-Feb-2013. Existing Basic Savings Bank Account with Simplified KYC will be continued with the existing features.”.. so its hard to start a new acc..

Hi anshad, People are opening new saving account in ICICI everyday, even many of my readers has also conformed that (read previous comments). About the new Corporation Bank chip based debit card, it is as disgusting as SBI, even more. The new corporation bank chip based debit card fails my transaction every time, I tries to pay my Vodafone bill using their website which actually use billdesk payment gateway. Forget about international payment on new Corporation bank debit card. I will suggest you to visit your nearest ICICI Branch and have a meeting with them regarding new account opening.

thanks for the reply .. but as per icici website …zero balance savings acc is closed na??.. is it branches discretion to give 0 balance acc…?? so if the rbis new rule came into action then there will be a chance 4 icici s cards end??

About the account opening, you better talk with your nearest branch, I hope they will help you and about the RBI rule thing, I really don’t know whats gonna happen because RBI’s rules are completely uncertain. So the best option is to wait and see what happens next.

HDFC Bank Credit Card should work. But some people conformed that it is working and some conformed that it isn’t. So, if you have to invest any amount to get the credit card of HDFC back, I will suggest you to try out the entropay first. But if you are getting the HDFC Credit Card for free you can give it a try and let me know whether it is working for you or not. If you ask me personally, I will always suggest you to get a ICICI Bank Card if you are focusing on Online International Transactions.

I got some new information for Axis Bank DEBIT Card Holders. I finally succeeded in Axis Bank DEBIT Card, which is a Titanium Rewards Debit Card into Google Play and itunes successfully. By default if Axis Bank gives you this particular Debit Card, on the manual it says INTERNATIONAL Debit Card, along with it says, only can be used at ATMs but NOT TO USE WITH FOREIGN CURRENCIES excep Nepal(sure and Bhuta(I guess). To unlock it to a International Debit Card, u need to do two things, 1–>Update all your personal info, including mobile info, and email address with all the details in your Axis Bank Internet Banking Website. It will take 1-2 hours to be completely updated in their system. (NOTE: You have to register your mobile number for OTP for transactions, which is NOT ACTIVATED BY DEFAULT for Axis Banks unlike SBI, where it is activated by default execpt for IRCTC site)

2–>Even u got a International as labelled, its still unlocked. you need to dial this toll free number +1800-209-5577(better call from your registered mobile number), click the option which says about debit card, and within it, in 1 option it will ask for activation/deactivation for International facility, use the activate option. Then it will ask for your debit card details i.e. DEBIT Card number, CVC Code expiry date and may be your ATM PIN.(Don’t Worry,, it will NOT ASK for your 3D SecureCode or VbV Code). I recommend you to generate a telebanking pin for your debit card. NOTE: Telebanking Pin is not the same as your ATM PIN. You can generate in the same option within Debit Card options on the same Toll Free number.

It will take 24 hours to activate unlock your International status. You will get a confirmation message as SMS to your registered mobile number.

Have a little patience, don’t try to add your card immediately as you get your sms. Wait for 1 day and then add it.

I successfully added my DEBIT Card just right now (11 pm time), and as google and itunes claim that they will deduct 1 $ from your account, the deduction reflected in my account and it was credited back to my account within 2 hours. Itunes may take a longer time to credit it back.

Google deducted INR 50 while itunes deducted INR 60. As my card has gained the international status, it is now deducting the balance while making purchases without me needing to enter the 3DSecureCode.

FOR ENTROPAY USERS: The Entropay method no longer works now, but only for those who have added their card at some time earlier, but in that cases it somehow didn’t deducted any such 1$.

I hope my mentioned method proves to be useful for Axis Bank Holders. For other Banks, try to follow the same method as I ve done, if and only if, your bank has such system. I tried to activate international status for my SBI Debit Card, but it has no such facilities.

Thank you very much for this detailed in-depth comment. It will be great if you please post some screen shots of your card successfully verified by Google Wallet and iTunes, also if possible please share any transaction receipt of Play Store which is done with this card. At the time of posting the screen shots, I will suggest you to blur out or color out any sensitive information on that screen shot.

well, at the moment I can just show screenshots of the sms regarding activation for international usage and deduction of amount while adding debit card info. Here are the links: Activation for international usage—>

Thank you very much for the images, but have you actually purchased anything from play store yet? If not, try that out and let me know. Because there are many other Indian Banks card which get accepted in Google Wallet, but won’t allow you to purchase anything actually, e.g. Corporation Bank Cards.

I am Rahul from Surat, i am interested to buy some electroncs from ebay USA, i have no bank account till now! as I am 20 now, so i ask you, what bank account you suggest me to apply as my need i mentioned! Thanks! Again!

In the above post I’ve already gave me suggession to use ICICI Bank if you are really keen about doing online international transaction. If you’ve any more questions in your mind, please go through the post and the previous comments on this post throughly before asking any question, beacsue your question might already been answered previously in this post and you will also get your answers instantly.

HDFC bank has stopped Paypal, evitamins and several other overseas shopping sites on July 7th. Both credit and debit cards. Their reason “These and other sites are not secure and do not meet HDFC’s security policy.” HDFC has moved to stone age.

WOW! Great, RBI is now actaually forcing every bank in India to go back to the Stone Age of online transaction. It’s not HDFC’s fault my friend, RBI is forcing every single banks for doing this. I am just feeling mayby someday very soon, ICICI will also strop their overseas payment options due to RBI’s pressure. Then we will have no ther way (maybe) to do overseas transactions peroperly.

I am planning to buy an ICICI Expressions Debit Card , which is a Visa Signature Debit card with chip in it.I have read somewhere that ICICI chip based cards don’t work on International Payments,but the regular ones do.Is this really true?Should i avoid going for Chip based cards?

I’m using a non-chip based card of ICICI bank and I guess all of my readers too. Tough I haven’t any conformation of whether the chip based cards are working for online international transaction or not, I will suggest you sty away from it and get the normal one (without chip).

I think, RBI has made it mandatory for all banks to supply chip based cards to existing and new account holders. Axis bank sent chip based card itself and disabled my earlier card after 30 days. So I think you will get chip based card only.

I know that RBI has made this rule, but I was hoping if you get one y luck. Anyways then the only way is now to get a chip based card, contact the customer care of ICICI to enable online international transactions and then try. Lets see whats happen.

Hi, Thanks for such a wonderful article about debit cards. Although I got some answers to my question through posts but still would like to clarify and maybe update everyone here. I normally spend some amount every month for online games of EA. Somehow I cant have Credit Card so tried with Debit Card to purchase but EA doesn’t accept Debit Card, so I successfully started using entropay to do purchasing on EA. I used to load amount in vcc from my axis bank debit card and do purchasing with ea. Starting from Jan 14 I could not load amount in my vcc from my debit card so I sarted following up with Axis bank customer care about this issue. After escalating this issue with their apallete I came to know that following RBI recommendations they have blocked transaction to entropay site !!. Now I want to know what r my options ? Does ICICI debit card still work on entropay ? Are there any other debit cards which work on entropay ?

Thanks for the informative article. I did query IDBI bank about using their debit cards with google play, and this is the answer I got.

We would like to inform you that mentioned cards parameters are proper. Google site is not verified by Visa/MasterCard.

Also for the transactions received from Google site, we are not receiving CVV2 value which is mandatory for authentication. Request you to try from other merchant site. Let us know in case of any issues.

If youi read my above post properly, I’ve mentioned everything why most of the banks are not allowing online transactions. If you go through you will get more idea about the situation. My suggestion will be go with ICICI.

Hi Sir, I have a SBI global debit card.I only bought this card to purchase from aliexpress. But I can’t fulfil my transactions. Now I can understand the reasons for that from your valuable infos. So my questions are..is it necessary to create a PayPal account for foreign transaction and I like to have an icici debit card and is it possible for me to buy products from aliexpress with it and what are the transaction rate for dollers.. I don’t know much about it so kindly give me a reply sir..

As I said earlier, ICICI Bank cards allow online international transaction on user request. So I think it will get accepted on your desired sites. Also PayPal is not mandatory thing, people opt for it, because most of the merchants around the world use it for their payment gateway, but if you don’t want to use PayPal why will you register? About the transaction rate and all, please go through with the previous comments, you will get your desired answers and even more info.

First of all I never used Corp Bank credit card, but as they stopped online intentional transaction on their debit card, I don’t think the credit card is going to work either. As for Yes Bank, as it is a western bank, I’m not quite sure. I will suggest you to talk with their customer care representative that whether they can activate international payment like PayPal, Play Store on their card as per customer request. None of my readers are also used Yes Bank, so I personally can’t give you a green signal on this.

Ah! Were you talking about me? 😛 3 entropay cards and all worked flawlessly. Mind trying again just for the sake of comparison? ANd this time keep some balance, at least $1 more than the purchasing amount as $1 will go towards PP verification 🙂

All debit cards works on all Indian payment gateways, but creates problem with international payment gateways. If your card works in PayPal but not in Play Store then your bank has blocked it. Nothing we can do about it.

Google wallet supports indian debit cards but the problem in registration system. Indian banks doesn’t allow the registration because google deducts 50 rs for confirmation which they reverse within short time. This procedure is not allowed by indian bank servers dont know why. but if we do any in app purchase for apps installed from google play like netquin antivirus from any debit card then it will be automatically added to your google wallet account. I have added my Axisbank debit card to google play by same procedure.

Hii I have SBI Gold International Debit Card . It won’t work in international sites even if they have VbV (entropay,newegg) It shows random error like insufficient funds,incorrect pin etc. This thing happened from this month . So I want to start an account with Axis or ICICI which one works with Amazon(US),tigerdirect,newegg ,steam and entropay please suggest. I have an SBI credit card for paypal and google play. But it get blocked if u use in steam and entropay idiotic customer care

Hello, I have ICICI International Smart Shopper Visa Debit Card but I am not able to add that in PayPal as well as not able to use it while purchasing from eBay.com because it is international transaction so kindly please notify me if there is any procedure to activate first before using for international transaction. I hope that you will me reply as soon as possible. So I am waiting for your valuable reply…

Have you called ICICI customer care and requested for activating online international transaction? I don’t know whether you read the whole post and previous comments, because if you did, you already have your answers in your hand.

Hello, i have a icici debit card and i am trying to link my debit card to paypal but its not getting link..my debit card is international debit card and all the international payment options are on…still its not working…tell me what should i do for linking my card..?

Have you called ICICI customer care and requested for activating online international transaction? I don’t know whether you read the whole post and previous comments, because if you did, you already have your answers in your hand. You start with this comment.

I was looking up alternative methods to use paypal to make payments when I came across this blog. Good Job…. but I do not have an ICICI account. I have an SBI account whose virtual card option was not working on paypal, so I tried looking up other options. One option that I found was to use Virtual Credit Card generators like entropay & nettler to generate cards first and then use them on paypal to pay. I want to know your take on this.

I came across this while searching for a solution to my problem of my rejection of my brand new SBI Global Debit card by Paypal ……. I had previously linked my SBI account to Paypal ……and thank you so much , after reading this all my questions were answered …….. Now I am getting a new ICICI Debit card to link to Paypal …….. as for the bank acc my SBI acc is linked to Paypal ……. but as you said that Debit card and bank acc are both separate issues at Paypal …… thanks once again …………..

Hello Saumya, was searching on Google and landed on ur site. U have very good information on this topic. I have a query too, What Indian debit or credit cards work at Apple App Store and google play store at present. I read many posts but can’t find anything on apple App Store, pls comment. Can I buy iTunes gift cards in India with Indian debit card. What is ur opinion on virtual cc of Indian banks and entropay. Thanks.

Never bother brother. I just used my Union Bank Of India Visa Debit Card on Play Store as well as Apple’s App Store. It worked successfully in both. It’s a New Visa Debit Card with a chip in it. Hope it helps some of you.

This i a very silly question indeed. Anyways yes, it is needed to have some account in your account otherwise how you are going t pa by using PayPal and from where the money is gonna deduct? Even if you are adding your card in PayPal for the first time, they are going to deduct some random amount for verification.

hey there just made a payment with UNION BANK OF INDIA DEBIT CARD (VISA) and the payment was successful.. you just need to follow the same pattern as you do it with icici bank .. just call your costumer care and ask them to activate it for international payments and you are done.. so called icici bank is not the only bank.. union bank also accepting international payment.. enjoy

yeah tried with paypal,skrill,neteller,bitcoins,perfectmoney every time it is yes.. it accepted but cant able to attach the pdf to this comment! don`t know about google e wallet! but yeah it worked very fine with 0 issues! 🙂 and between i use a student account with zero balance .. card type: visa international debit card bank: UNION BANK OF INDIA (king of indian bank)

Before Uday and others no one has conformed that Union Bank Cards also works in online international payment. Beside it is not humanly possible for me to checkout the cards of every single banks in India. That is why I always welcome the help f my readers on this. I will update the post with Union Bank’s info very shortly.

Hi Uday will you mind to share your procedure that how you activated online international transaction on your Union Bank card and if you called the customer care, what did you asked for, did you generated 3D Secure pin for your card etc. After getting inspired by your comment some users opted for Union Bank card and one said his credit card didn’t work and others says the same for their debit card. So it will be great for the readers if you share what exactly you did to activate online international transaction on your Union Bank card. Thanks

i used a union bank of india international visa debit card and then after i contacted their customer care service and asked them to enable my card for international transactions and then after wait for 48-72 hours and try to buy anything with your card by which you will be able to genarate a password for your card and then you are all done to make international transactions on google e waller,bitcoins,bet365,perfect money,payza and etc… note:- not working with paypal! 🙁 although tested a credit card of my cousin with paypal and that worked fine both for deposit and withdrawals (CREDIT CARD ON PAYPAL NOT DEBIT CARD)…

Hey Uday, I have a ubi visa debit card too. Without any customer care request, I used it on Apple AppStore once, worked fine. I even posted a screen shot of it. But since last 3 days it has stopped working. I don’t know why. It deducts 61rs. n that’s it. So, I called customer care, n requested for international activation. So, he replied that my card already have it. N if I’m making payment in rupees it shouldn’t b a problem. He asked me to activate visa 3d code also. Nw I have done all but no use. Pls share ur views. I’m stuck.

If you are using PayPal just for receiving payment, then you don’t ave to worry about it. Just make sure that you have added your Bank Account detailed properly in PayPal so that you can transfer your balance properly to your bank. I’ve used my PayPal account for a long time without added a card into it. But if you are thinking about paying in international currency, then you ca also go with ICICI or Union Bank of India’s debit card.

Thanks for the post. that is really informative, my question is i am using a Paypal button to sell my scripts, but somehow its not working, my account is verified and premier (PNB), whenever i tried to submit my debit card information , is always declined by PayPpal and i dont have have credit card because i am a student now, and whenever i login my account is says “Your current transaction was declined by your credit or debit card provider” what is it?”… How Indian entrepreneur use Paypal account for selling their script online? Please answer me, your help will be appreciate. Updaete : I just want to sell my script and not buy anything

Well, you don’t need to add your card into PayPal for using your PayPal as a payment receiving medium. You just have to make sure that you have added your Bank account info correctly, otherwise you won’t receive your balance on your bank. But if you want to ad a debit card into your PayPal account, you can definitely try anyone between ICICI and Union Bank of India’s debit card.

i have sbi global debit card. but my debit card is not accepted online website purchase in dollars. the websites asking for payment options are visa/master credit card or paypal. i have no credit card. because i am a student. my debit card all so not accepted in paypal account. i wana buy so many things in dollars. what can i do tell me solution for my problem.

Nobody has conformed that yet and I’ve also didn’t used Kotak Mahendra Bank’s Debit Card personally. I will suggest you to stick with ICICI or Union Bank’s card. If you have one try to use that on PayPal, Google Wallet and other places where you need to do an online international payment. If it works let me know here.

I have a ubi debit card.Should I have to remove 3d secure option from my card first before all. I actually dont know how to do that .I actually dont know my card is 3d secure or not ,although it is international visa and its a student account.

Have you contacted the customer care of Union Bank to activate online international transaction? Because my readers who are conformed that their Union Bank debit card is working on PayPal & Google Wallet, done the same.

Thanks for the information. It was very useful. I am trying to add my Sbi visa card to Google wallet for the past 3 days. So ICICI and union bank cards are accepted in google wallet. I will check that out. Once again thank u for ur info.

Great to hear that Axix Bank Prime Debit card is allowing online international transaction. Will you please share that is there any requirement of activation online international transaction by calling up the customer care, like ICICI and also did you generated your 3D Secure pin of your card or using your card without 3D Secure pin? Also is this card got accepted in Google Play Store? After getting this answers, I will be more than happy to update the above list.

Again, don’t confuse it with International transaction. The other international cards do work on international sites provided the sites have implemented VBV/Securecode.

1. I have activated VBV/3D code on my card as otherwise it will not work on any of the Indian shopping sites and even the international ones which have require authorization. 2. I don’t know if it was needed, but i DID activate international translation by reaching out to the helpline. There’s an IVR option for that. 3. Works on Google Wallet.

Hello mr.saumya majumder! i appreciate your great work as it helps many people.. there are few errors in your table.. paypal section union bank debit card is accpting withdraws but not accepting paypal for investments! reason:- card opted after 31st march 2013 are not supporting paypal.. i got my card in 2012 and its been accepted when i last tried in june but now paypal stopped accepting … second error:- AXIS BANK debit cards are officially accepted by paypal.. please contact their customer care!… ubi is accepted in google e wallet and i tunes too 🙂

I just received SBI Gold International Debit Card. Neither accepted by PayPal, nor by Google Wallet. And customer service people say they have no information about it. Really poor service. Now I am thinking of opening another zero balance savings account at Axis or ICICI. Which bank is better?(PayPal people mentioned either Axis or ICICI. Which should I go with? P.S. – Someone had mentioned SBI MasterCard was accepted by PayPal. I received a Visa card. Does it make any difference?

Hi Sagar, I will suggest you to go with any one within Axis and ICICI but no SBI card will allow you online international transaction for sure, whether be visa or mastercard. Only the SBI credit cards which is taken before 2004, may allow you online international transaction.

IDK if it’s still a communication gap. They DO allow “Online International Transaction” provided the website has implemented VBV/SecureCode. For example, use it on Windows/WindowsPhone store and there are high chances of it working fine.

99% international payment gateways does not have that 3rd layer of security installed on their payment gateway, so it is useless to saying that they do allow. Beside in Entropay site the add fund payment gateway also does allow VBV/Secure code, still many banks card does not work.

99%? Correct your facts first and then we can continue. Probably you’ve not made enough payments to sites besides PayPal, GWallet or Skrill. US is still a thing, but outside US, VBV is being accepted by a big majority of merchants. A large number of websites have already implemented the VBV Authentication. Plus Visa is giving away a lot of benefits which are attracting more merchants everyday and probably soon PayPal will be forced to act.

All of my cards worked fine with Entropay. Those which don’t probably don’t have international transactions enabled or else have Entropay on the ‘blocked merchants’ list.

Please share the name of merchants who accept VBV, so that my readers can take advantage of that at-least. I have no idea how much you purchase internationally, but in most of the cases where most of the people need to pay for something in international currency, they either take PayPal or a gateway why will not allow VBV. Beside even if you opted for purchasing a small script anywhere from the internet you need to have a PayPal account. As PayPal is one of the major payment gateway has been used by most of the online merchants out there, I do concentrate on those, beside thinking about those few international merchants (respective of how many merchants use PayPal) who uses payment gateway which allows VBV.

Since I am a student, I will be opening a zero balance savings account(basic savings account) in ICICI bank for which I will get a basic debit card(international as mentioned on website). Will that be enough? And may I know what type of card you are using? When did you receive it and when was it added to google wallet and paypal?

Hi, I have the very basic ICICI Shoppers Card, not a platinum or Gold one. Just after you got your card, cal CC, ask for online cross currency payment activation, as stated earlier, then wait for 48-72hrs then try. Don’t enable 3D Secure Pin, before adding you card into the international sites.

who says icici debit card is working ? i hv been trying from my icici debit card which i activated it internationally activate and still when i create a publisher id on billing section it says = invalid credit card …. but why it is saying invalid CREDIT card when i m trying debit card … and other thing when i tried to create google wallet few times i got 250 rs in us dollar 4 deducted from my acc > what the heck is happening > will i get this money back or not > MAN BIG DAMN CONFUSION MAN BIG DAMN

Hi monu, This is really wired. I think something wrong is happening with your card. I hope you have already activated online international transaction on your card by calling the customer care. What I will suggest you is that please cal ICICI customer care ad place a bequest fr deactivating your 3D Secure pin, then tell them the whole issue. I hope they will re-activate your cross currency transaction. After that wait for 48 – 72hrs then try on PayPal or Google Wallets etc. Don’t enable VBV before adding your card into your required places. Hope this helps.

Hi, Regarding axis bank debit cards and as i ve seen someone commented on using it for international payments. I own a classic visa debit card. What is the procedure for enabling it for international payments. Right now i want to add funds to a entropay vcc with it.

Hi Cloud, As I’vent used Axis Bank card on my own, but the reader who conformed it you can see the process there. As per him, you have to call the customer care number and you have to activate international payment. Then you have to wait for 48 – 72hrs before trying it out on any international payment site.

it was me who has mentioned the process of activating international transactions for Axis Bank cards. Well my card was a chip based card(a very new one). but i guess any card should work, but remember, u have to complete all your details(full 100%) in Axis banking website regarding contact info, linking aadhaar card, and also generate a telebanking PIN(must thing), which can be done through the IVR menus in the toll free call(not the same as ATM PIN, but you can generate the same number if you tend to forget). Initially upon contacting customer care(a man, and not a computerized call), about activation of internatiuonal transactions and some transaction failures, he instructed me to give all my details. He told that i can’t do as of now as i have not given my email id in the internet banking site. I did that, then activated international transactions using the toll fgree no.(this time it was a fully computerized call) and got a confirmation about activation in sharp 24 hours, but i added my card 1 day later(i.e. after 48 hours) and i succeeded in myu 1st attempt.

But here is the strange thing, today my simple classic SBI debit mastercard(which has helped “0” customers, i guess, for google play purchases, from debit cards) got accepted without doing any such thing as i have done for my Axis bank. Previously my SBI card was rejected almost 9-10 times. Details regarding SBI card addition has been commented on a new comment below. It may depend upon timing(just an assumption).

Hence i recommend you, after doing all international transaction activations, have patience, wait for 48 hours, and try to add your AXIS bank(the card you claim to have) at around 11:00 PM to 12:00 Midnight. I tried it during that time and it succeeded.(This time thing assumption may sound weird/funny, but just give it a try, atleast we could come to know that if its true, may be some debit cards can be added only during some particular timings)

Because you have a chip based axis debit card you can enable it for international payments. i don’t think magnetic strip cards can enable it (as far as i’ve seen it practically). IF anyone can confirm it for ICICI non chip based debit cards, it will be very useful. By the way here is a RBI regulation for debit cardshttp://bit.ly/RBI_debit_card

I ve no clear idea about ICICI, but my SBI masterCard is a non chip based simple.classic magnetic strip debit card. But it is too working with google play(commemts.regarding this are posted in the newer comments below)

Call the helpline and navigate through the IVR menues to reach the Debit Card subsection. There choose the option to enable International Usage and enter in your card details to confirm that the request is authentic.

Hello S.M. I have seen the charts you mentioned of which cards are accepted by PayPal. I tried Sbi debit card some days before but its not working. Now I am sure that paypal doesn’t accepts that sbi debit card. Now I just want to know that and am thinking of opening a ICICI bank account and the debit card too. So I need to know it ll work or not or will paypal accept the ICICI Debit card or not. When I ll open the new account and tries to activate or register with PayPal, if it doesn’t work than what shall I do? Is it sure that ICICI Debit card will work? Is there any alternative if it doesn’t works? Does SBI Credit card works with PayPal?

There is nothing we can do brother if things doesn’t work. We always look for another alternative. If you can acquire a ICICI VISA Debit Card ad follow the instructions properly, here is no reason for the card not working in your desired sites. What I can say is I’m personally using it on PayPal, beside I’m also mentioned few other bank cards on my above post which are working in PayPal. Read the post and the previous comments properly, you will get every answer you are looking for.

Your doubt is very logical, but what I can say to you is that I’m using my ICICI Shoppers Debit Card on all the places without zero issues. If you follow the steps mentioned in the above post properly it should work for you too.

I contacted ICICI bank and they told me that for zero balance savings account, they will give me RuPay Card which will be useless. Should I try for Axis Bank? Can I be sure that their debit card will work with GWallet and PayPal?

OMG! That is really bad. Sounds like ICICI has participated in PM’s Jan Dhan Yojona. Anyways, did you asked then how can you get a VISA card, because as per their website their zero balance account is provided with a VISA Card. RuPay card is useless for the cause we are here. What did ICICI guys sas about geting a basic VISA Shoppers Debit Card?

Their reply was that I need to open regular savings account (minimum monthly balance of 10k) to get international debit card and initial deposit to be 25k in ‘cheque’. How do they expect a student to open with 25k and moreover with a cheque? But keeping that aside, I confirmed with Axis bank that they would provide me with a classic international debit card(Visa) with 40k limit per day for the zero balance account which I feel is more flexible than ICICI bank. Moreover they offered to come to my home itself to take the documents and application(Enticing strategy I would say but expecting their service to be similar). Shall I go with Axis Bank then? Confirmed to work with PP and GWallet?

Sm, The table above says ubi debit card not wrks in google wallet. But i go through the comments here, i m getting confused. Whether it wrks with google play or not Pls confirm again.

icici is part with with pm’s danyojana.So it hard to get a international debit card visa.

One more doubt u have corporation banks chip based card rit? It doesn’t wrks frm previous month rit? So what about the old international card? No chip.. Manager offered me this visa card.no chip. Or corporation bank server stopped credit card transaction too?? (the table still shows yes)

Well Corporation Bank card wont work anymore, beside my readers conformed that Union Banks card is working well in Google Wallet as fer as I know, but stay tuned to the comments if any user conformed that.

Hi Anshad, here in the comments UBI is mentioned as Union Bank of India not United Bank of India. If you check the table properly, you will see that Union Bank is showing Yes in the Google Wallet column.

i opened a icici account yesterday. still awaiting full activation.min bal 5000.and they asked me to deposit 15000 in total. (10000 withdrawable immediately).will update if working successful.if this fails i have to fd 20000 to get credit card. or try vcc (it is not use once disposable in icici).

Use your basic debit card and activate the international online payment option just by calling the customer care. After that wait for 48hrs before try it out, and dont generate 3D Secure Pin before adding your card on your required sites. I’m really sorry for the late reply, I was unable to moderate comments for past few days due to my extremely busy schedule. Beside posting abusive words wont help you get a reply faster. Please dont use them further.

Is it that now all bank debit cards are being accepted, or is it just the SBI debit card. I tried adding my SBI debit MasterCard(classic) since months, I was successful. Then i added my Axis Bank Card successfully after some days. But today again I tried adding my same SBI debit card, it was accepted everywhere including itunes, paypal, skrill etc. What is this? I did a successful purchase too, (as of now only via google play) using this SBI ckassic Mastercard Debit Card. Is it just the timings when i added or something else, because I did’t call up my bank as my bank is 1700 kms away from my current town where I am working. Other SBI users, please confirm. I trued adding my card Thursday 6:30 pm.

Well if i post the screenshot of my purchase, it ll just show mastercard (xxxx). I ll post the my statement screenshot from my internet banking transaction of SBI(which has 100% failure rate as of various forums) soon(within an hour as i reach home). May be this due to SBI introducing proper international debit card with ability to do transactions in fireign currencies about 2 weeks ago. I am posting that link too soon. It was from NDTV news telling SBI gets RBI’s nod to…………… Something something

here we go, the 1st transaction was while adding the card to google wallet,, the 2nd was that of a purchase, it clearly shows google marketplace, and google understands nothing about 3DSecure Code or VbV codes(google play), but still it was accepted and a purchase was done. The refund time for the initial deduction depends upon Banks. My Axis bank immediately refunded me within 5 minutes, whereas its still pending from SBI(its been 2 hours as of now). For itunes, the refund time for me took around 3 weeks for Axis bank, and it took 2.5 months for ICICI(ICICI acc was one of my friend’s, but Axis was mine).

I have 2 sbi accounts, one was a student acc, it shows NONRURAL, and this one CSSILVER, I have no idea what does silver stand for(but it should not make much difference), but CS stands for “Corporate Salary” account. Even my Axis Bank Card, which was accepted by itunes and google play(mentioned in my older comments in this forum/post) too is a coroprate salary account, but AXis bank has different terms(something like salary premium account)

Visa and MasterCard are just Debit/Credit card providers, they have nothing to do with type of account, though the type of account may decide what kind of card you are eligible for(as mentioned in someone’s comments regarding ICICI cards). My colleagues had the very same kind of SBI account(both my colleagues’ and my SBI accounts were forcefully opened by our company(now previous company), all of them got VISA cards and I was the exception, got a MasterCard, but they too are having the same CSSILVER CSA account.

May be I am one the rarest SBI customers making succesful transactions over google play, that too using a DEBIT card, where even its credit card holders too claim that they don’t work(unless their accounts are very old). My SBI acc was opened in Dec.13. It never got added, showed the failure error message, but today while trying to add my debit card info in this app called “UBER”, which didnt ask for any such 3D SecureCode, i got an sms for successful transaction of 0 INR. I guessed how was it accepted without entering 3DSecureCode. Hence i immediately tried for google play and itunes, and it was even accepted there too.

If you own a SBI MasterCard or even VISA, plz try addng at around 6:30 pm(cz i added at around that time) and confirm me regarding this. If it gets added, then these cards may have something to do with timings, because somewhere in entropay site I read that international transactions get accepted at their specific timings depending upon currencies(even though here, the transaction was done in INR, but the card and account needs to internationally unlocked)

Since 2013 RBI has made it mandatory for all accounts and cards to be domenstic BY DEFAULT unless the customer specifies for it. For majority of the user friendly banka like ICICI, AXIS & HDFC International Transactions can be enabled either on their respective Internet Banking Website or Toll free no.s(automated calls). But for SBI, its a bit different(non-friendly). You have to visit your bank and update your KYC, check whether signature is updated or not(my signature was not updated for 4 years, thats so carelessness of the SBI authorities, update your phone number, link an email id and have an internet banking facility. Linking of PAN number ia a must and can only be done by visiting your home.branch. AADHAR card was earlier mandatory too, bt i guess they removed tge compulsion. Still its better to link that too. After updating all your details again visit your bank and request them to enable Transactions from your account in terms of dollars/euros/pounds, or in terms of foreign currencies. Your card may ve been labelled International, but that doesn’t mean your Acc too is international. Your acc should also be international.

Timing is also important, some merchants claim that foreign transaction can be done on specific timings and it depends upon banks too. I tried adding my card at around 6:30 pm.

Lastly most importantly, my acc was CORPORATE SALARY type, but i don’t have any clear idea, whether type of acc be eligible for such and such previleges.

Just give a try, 99.9% of SBI card holders have failure rates.

Or may be that it was just my luck that my card worked, but earlier my card was denied several times, plus I didnt followed the steps i mentioned here, just updated my KYC 2 months back, didnt fo any such international transaction request.

updating/linking of PAN number is a mandatory criteria for enabling international transactions. No matter even if u have some platinum card with international labelled, but it wont work untill you update your Pan Card. But i guess u need to give PAN number to get such cards. For opening just an account(if its a salary account), PAN number is a must. P.S. and it doesn’t matter whether your MasterCard or VISA card is platinum, silver or classic or gold. In fact it depends upon the bank, and the type of account you opted for. For e.g. yuva accounts or youth accounts or student accounts may not be eligible for such international transactions, even if they somehow get a Platinum VISA card(i guess they won’t just get it).

As my account is Corporate Salary type,,,,my PAN number was already updated as soon my account got active. And I have just MasterCards DEBIT Cards, one among which mentions Titanium Rewards (chip based) debit Card(Axis Bank) and the othet one is the lowest one classic version (non chip, only magnetic strip based) MasterCard(from SBI), both of which are working with google play and international sites.

The best trick to confuse your bank is by requesting them that you want to enable transactions in terms of foreign currencies using your Debit Card. And don’t ever mention about sites like Paypal, google and itunes, they will simply say that they are not authorized to do so, even the ICICI bank(whose cards have the most success rates with such sites like google wallet) official will say the same.

Another important thing, if you log on to your internet banking account, 95% of the account holders may see a section where a bank currency is mentioned. For e.g. in my axis bank it mentions “INR”. But if for any Indian account it mentions International, then such persons don’t need to worry much about google wallet and such things. But i guess its very difficult to get such accounts. When i was registering in to my axis account for the 1st time, there were 2 options for chosing currency, INR and international, i chose international, it failed, i was bound to chose INR. For this thing you have to mention your bank before opening your account that you want your complete account to be international instead of just INR. But i guess it has a different eligibility criteria.. But don’t worry,,,,,, even accounts with INR as the set currency work with international merchants. Be patient and chose a good recognized bank and chose your account type wisely(account type is the most important factor). And don’t just open up 5-10 accounts with different accounts just for google wallet and so and so. Else just go for ICICI(ppl claim it to having the most success rate of transactions with international merchants).

I applied for Axis Bank Basic Savings account. They will be giving me a classica international debit card. Should I take a chip and pin enabled one? Or a no chip card? Any suggestions or difference? And Visa or MasterCard?

I have applied and they have told me i will get the kit in two weeks.. So updating in another 10,days.. As soon as i get tge card. And is there a requirement to provide PAN number for international transactions to work?

Not yet! I contacted Axis Bank and they told me that the process is delayed due to continuous holidays. I will update if it works or not once I receive the card. In the meantime, if you want your debit card to work for GWallet, as I have mentioned, Corporation bank internation debit cards are working just fine!

Guess what! Axis bank is issuing RuPay debit card, just like ICICI for basic savings account(zero balance) which will render useless for the purpose! I cancelled with them when I heard that! So, Im sorry, no updates on Axis Bank debit card. But as I mentioned, corporation bank debit card is working fine with PP and GWallet

thanks sagar for the prompt update . Regarding the corporation bank debit card , have you tried making a transaction with it on paypal? Did you have to call customer care to activate any sort of international transactions?

As far as the success of linking both the MasterCards (Debit Cards) of both the banks, one Axis and another SBI are concerned, both my accounts were “SALARY ACCOUNT” type. A simple savings bank acc is NOT a Salary Acc, but a Salary Acc is also a Savings Bank Acc. I have no idea, taking into consideration the so much restrictions imposed by RBI, whether type of acc. can also be a factor of linking debit cards with google play, itunes, paypal or skrill etc etc(which do not ask for VbV or 3D SecureCode). Because before 2012(or roughly 2011), all cards used to work flawlessly. Suggestion: If you have a Salary acc, first try to unlock your internation transaction capability with those accounts, then unlock the same for your Debit Cards, instead of opening so much accounts JUST FOR google wallet and so and so, bt ultimately it ends with a failure. I see many comments citing that they have opened new new accounts with different banks, but no result.

its actually not the VISA or MasterCard thing,,,, they are just card providers, while your link said that VISA cards were rejected because they have already mentioned that VISA cards won’t be accpeted. Today only, I went to some ATM(some new local bank in Mumbai) and my MasterCard was not accepted, showed some Card error, later upon exiting from the ATM it was written only VISA cards supported. Trust me, it has nothing to do with Visa or MasterCard. The popularity of such cards depend upon which Card provider is accepted by Maximum number of Merchants. If sites like google and itunes clearly state that BOTH VISA and MasterCard are accepted, then it should not create any proble, if problem occurs, it all has to do with your bank rules/implications and type of account, just like how most ICICI users(whether VISA or MasterCard holders) are successful in this regard.

I think you don’t know about the banking and rules. RBI’s rules are not disgusting. There are certain laws in India, as if any organization holds people’s money as bank or trust then they have to pay certain amount of TAX as like bank but Paypal not ready to Pay for the same. Hence we can not hold money in Paypal. As per RBI, 3d Secure Code is mandatory which is not used when we make payment via Paypal or Google. Indian Global/ International debit cards means you can use card at POS machines at retail outlets in international countries. And many more.. Google it… Its not disgusting.. Its rules and every country have it.. SO do MINE.. Hope you will post this comment.

Hiii…very good and helpfull article I am Union bank customer and 3 months to do transaction on Google wallet…..but today they told they don’t support I was trying for SBI but thank God I read ur article before……..thanku

I would like to share with everyone that Corporation bank international debit card is working absolutely fine with GWallet. Found a few confirmations too, my father’s card worked fine, and now, my friend’s! Guess this will be helpful!

Confirmed that corporation bank international debit card, both chip based(my friend’s) and chipless(my father’s) works fine with GWallet. When it comes to PayPal, the customer care said that they do not allow their card to be added to PayPal :P. So, for GWallet, may it be chip based or chipless, corp bank cards are working just fine!

Hi Sagar. I have contacted the customer support of Corporation Bank regarding my debit card being declined at the time of payment, while I am able to add my card to play store without any problem. I got am email from them saying that RBI has advised the banks not to authorise transactions without 3D secure, Have you tried to purchase any thing from play store recently. Please reply.

Hi, Arjun. It is not just you. No users Corporation Bank cards works on international site. Don’t worry. Except Sagar’s. I guess he has some magical Corporation Bank card. 🙂 I’ve also changed my table above and mentioned that corporation bank cards does not work.

Hi, I require details for opening an ICICI account for international transactions. What is the specific name of the account I have to open up with them? In addition, which particular card should I demand from them for the international cross currency transaction? Replies from an ICICI account holder would be highly appreciated. Thank you.

Open a normal savings account (requires a minimum balance of Rs 10000 to be maintained). They give a Silver Shopper Debit Card. However any debit card that ICICI gives works flawlessly on all international websites till it is VISA or MASTER CARD. After you account gets activated then wait for 2-3 days and afterwards call customer care to activate international transactions (which will take a max of 4 hours).

Hi smumya, Is there any feauture planes of Google or Indian banks make any facility to make indian user to buy apps from Google play store is there any other way to pay I heard airtel is come in front to makes career base payment by this we able to buy our favrout app and amount detuct from your balance or add to your bill Any other suggestion please reply

I called the customer care of union bank of india for online cross currency but they gave the old response that there card is international and it will work i’ve to create a vsecure password which i already had.

It shouldn’t matter but what I’m sure of is Visa card works fine. Even my father’s card is Visa and its working fine on PP and GWallet. I think the criteria is you need ur PAN number to be updated, which I’m not really sure about

That was me.. Nd i tried with HDFCs card Master card it was wrks fine with g wallet.. Nd u can get YOUTH account with axis bank,with just initial funding of 3000 rs. No need maintain Qab( web site says so). I hope ie nt a rupaya card. Anyways i will get corporation banks credit card soon… Will update it nd may take axis bank acc youth sb

Hey Saumya,I bookmarked this page & am your regular visitor for reading new comments. After all these comments & also from the other forums,I found that ICICI bank customers are the most satisfied for Google Wallet & paypal services.

I’am into this just because I also want a paypal account for receiving payments. I’am already having Allahabad Bank A/c International debit card & my father’s PNB Debit Card. I tried both of them,but got success with none. Paypal doesn’t accepted any of these cards.

Now I’ve opened new savings A/c in ICICI bank which just got activated. But,the response of ICICI debit card on Paypal is showing same as was shown on previous cards.

As you told,I have to call CC for activating the online payments,I tried calling but I got nowhere after IVR responses.Its frustrating now,Also is there any way of direct CC call?

Shubham, Call the customer care and ask them to activate the cross currency transaction on your card. The representative might not understand your query well, in that case talk with a senior executive and it is better to call on working hours.

I have linked State Bank of Hyderabad account number with paypal and got verified but i have to add icici bank expression debit card, can i add icici bank expressions debit card without adding icici bank account number with paypal? if yes, then i recieve funds to my SBH account or icici debit card ? is it necessary to add icici account number to paypal to get debit card verified?

Finally, I have thought of opening an ICICI bank regualr savings account. I have applied for PAN card and it is due in some days. Is PAN number mandatory to activate international transaction or can I operate without providing PAN number?

Well I applied for ICICI bank account withour PAN card by issuing a cheque of 25k. They told me I would get my debit card after 8 days. Shouldn’t I get it instantly? Anything fishy? And can i update pan number later on?

All the more better. Atleast you will get a personalised card with your name printed on it. The instant card just has visa card as the name. Do let us know, how things pan out with account activation and which card they send you.

I have a HDFC Platinum Chip Debit Card (with International transaction enabled) and my card is neither accepted at Google Wallet nor Paypal. When I contacted customer care they told me that HDFC does not have a tie up with Paypal and for Google Wallet they told me that they have forwarded my request to their card division to add my card in their list of cards (a kind of whitelist) for transacting on google wallet (which takes a minimum of 7 days).

hey i just activated an ICICI Debit card when I tried to use it n play store it says “This Credit wasn’t accepted.If you’re sure that all of the info is correct,please contact your credit card provider”

thanx mate for very important article ……got lots of knowledge ……i am student …Age 20 .. i have State Bank Of India ATM Cum debit Card ( Mastercard ) Domestic one..Not International … but i cant purchase from google play store …..bank cant provide me the datail with this issue ….. So M thinking to opening new account …. Which Bank Allow Google Wallet And PayPal transaction ..??? suggest me Bank ( Axis Or Icici ) whose debit card will accept on google wallet and paypal or any international transaction ………. and tell me which type of account i need to open for this facility …??? and bank will directly gave international debit card.first time opening …..on saving account ?? plz reply must as soon as possible

I will suggest you to go with ICICI Visa debit card, after getting the card, dont generate 3D Secure Pin. Call Customer care, place a request to enable cross currency transaction. Wait for 72hrs, then try.

thanks …… ok can i get same facility at axis bank ?????? bcoz icici too far away from my place ….axis bank near to my place …………. and if u say dont go through axis then i will open Regular Savings Account in icici ….. and which type debit card i will get through bank ..and the debit card will international or domestic…?? and can i upgrade my debit card for some other benefits…..

and tell me in feature i will get icici debit card …! ok i will not generate secure 3D …. ok and after enable cross currency transaction……. how can i buy from google wallet ….. means after enable cross currency transaction … can i generate secure 3D .VBV…… or something other process is there …. ..???

Doesn’t matter what kind of account you have. What matters is, if you have a chip based debit card from Axis bank, like titanium rewards card etc. cal on their customer care number follow the IVR, there is an option to enable cross currency transaction on your card. Follow the procedure properly, the wait for 72 hrs at least before adding your card into any medium.

i add my bank of baroda visa debit card and google accapt my card very smoothly. add cut my rs 50 . but i cant parches app. so. what is next. any prosses is panding? some days waiting for verification?

Debiting Rs. 50 from your account does not means that your card got accepted by Google Wallet, for many Indian Banks Card, the Rs. 50 go debited and then credited back, but the card does not work in play store. Go with ICICI or Axis.

sir tell me which card select in axis bank saving account ??? a am a student … so plz tell me the card which i can use on google play store after enable cross transaction , on paypay or anywhere & or can i use default card which bank will gave me … after oping a account .. or if not so which card select for upgrade..?? & Visa Or Mastercard ??

This is a Chip Less card. The below is a Chip Based Card, I hope you can see the electronic chip within the card. The only reasen you need a chip based card is because Axis Bank IVR only allow chip based cards to enable cross currency transaction through IVR.

Dear sir I have Paypal account & i want to buy a product but the saler dont have PayPal account & he ask me for perfectmoney, egopay, skrill or payeer accounts. Please tell me that does it is safe to create accounts with perfectmoney, egopay, skrill or payeer.

For ICICI chipless card works flawlessly with cross currency transactions, you need to worry about chip based cards, if you are thinking about going with Axis. Axis chipless card does work on cross currency payment.

Respected Sir, I was planning to open one ICICI account for taking paypal account. But by reading the previous comment, I saw that they need min 10k. I am a student. So now I am thinking about taking an Axis bank account. So what am I suppose to ask them? An international chip debit card? Then as in the case of ICICI card am I suppose to call the cc and ask them to activate the international cross currency transation?? Please reply me.. I am getting confused.

Today I went ICICI and take an account.. They gave me one smart shopper international visa debit card.. They said it will get activate on this coming friday evening. For paypal purpose is it necessary to activate my ATM card by ATM machine?? They said even if I don’t activate my card I can use it for net banking. Actually I wanna join in one international club. So the time period for join is from this 29th to nov 2nd. How long will it take for the verification of debit card in paypal?? Do u think that I can do it within that time or should I look for other way?

Of course you need to enable your card for the first time by using in the ATM. This is very important. Attest withdraw even Rs 100/- or so. After this your card will be activated for national use. After this wait for atleast 24hrs and then call the customer care and give the request to enable cross currency transaction on your card. Again wait for 48-72hrs to perfectly enable the cross currency transaction. P.S: Do not generate 3D Secure Pin unless the cross currency transaction has been activated and you have added your card to all the possible international gateways you want.

i just tried to validate my Axis Bank debit card with Skrill today. They debited some money from my account. Now skrill ask for Euro conversion rate which is not provided in my statement. Will bank Axis bank provide me the conversion rate?? i also send request to them to provide me the euro currency rate. but i am nervous about the reply because of the RBI

I don’t know whether you will get the euro amount or not, even I also didn’t get that amount for myself. I tried to do side assumption depending upon that days curvy conversion rate, but I failed. Because if they charge you suppose €1.5. The amount which will reflect on your back account is actually the euro amount plus side conversion charges put on by banks and RBI. But you will never get the exact amount. Beside the best part of Skrill is even if you do not verify your cards, it still works perfectly and you can do anything with your card except from verifying it. Hope this helps.

Axis bank chip based credit cards / debit cards aren’t working either. This is funny, because I am a LinkedIn premium customer and the same cards are working fine there. Any clue why this is happening?

The best suggestion would be not to enable 3D Secure Pin if you are going use your cal only for International Transaction. It should work on PlayStation Network in cross currency transaction is enabled.

I am a student.I used my dad’s SBI debit card in google wallet but of no avail.I want to open a zero balance account/ student account in icici bank.will the debit card that comes with those two account is sufficient for international transactions.sorry for posting a incomplete comment first time.will the debit card with cross currency activated work with 3d secure password enabled

When you are going to open ICICI account ask for Smart Shoppers VISA debit card. 3D Secure Pin is specially for the payment gateways which allows 2 step verification, like Indian payment gateways. Please go through the previous comments on this post, you will get much more information.

Thank you so much sir.I have another doubt left in my mind.why RBI don’t allow Indian banks to use address verification system just like foreign banks.why?????..I am so disappointed..please tell me about it

ICICI bank provides you with RuPay card for zero balance account and you can’t even ask for an international card. This account is mainly for people whose income is < 1lakh p.a., designed according to PM's JanDhan yogana they say. So your best bet is to open regular savings account where you need to maintain a minimum monthly average balance of 10K OR BEST – Open a Corporation bank account where minimum balance is Rs500. And I have seen their card work on Google Play.

I am playing free to play games on steam for months ( because they don’t accept my parents SBI cards and I can’t purchase paid games )After getting desperate to buy stuff on steam I tries searching over internet about indian debit cards and paypal and found this post ! Thanks a lot for writing this. One little question I would like to ask is how much time on average does an ICICI visa.master card takes to be issued for a user ? I am very much interested in getting one but I am afraid of the time period it will take to be issued cause everything in India happens so slowly !

Thanks Ankit for your kind appreciation but I’m really sorry ankit that I cannot conform you how much time it will take. Some users conformed that they get an instant smart shoppers visa card from their branch (which don’t have your name written on it) on the other hand some conformed it took 10 – 15 days to get the card via post (which will be personalized and your name written it it). I think it will depends upon the card availability on your branch. Beside when you are going to get your card, make sure you ask for “Smart Shoppers VISA Debit Card”. Hope this helps.

ICICI do follow RBI rules just like every other banks follows them. But the best part of ICICI is that RBI always says that cross currency payment is not being allowed in India because of fraud risk, etc. But what ICICI does is they deactivate this cross currency transaction feature by default for every account like every other bank. But when you personally applies for it, that means you are well aware of how cross currency transaction works and the also aware of all the risks associated with it and henceforth they are activation that feature on your custom request only. An extraordinary and great idea to deal with this RBI payment boundary. Beside normal people who don’t care about all this they just use their account for national usage only.

Hi! Thank you for the post it is really helpful. Well I have HDFC Premium Debit Card – Platinum and it doesnt connect with Paypal anymore. My only option of paying my client is through paypal. Its frustrating when the banks boast International Debit/Credit Card and you cant use it when you really need. Do you have any idea if HDFC Credit Card will work? or is it only premium cards again that will be accepted by PayPal

Let me be clear to you, I do not have credit/debit card of each bank. So, I’ve tried all bank cards personally. But as you are saying your HDFC Card is not allowing you to do anymore cross currency transaction on debit cards, I’m not sure how much they will allow you on credit cards. The best possible option is to contact the customer care of your bank and ask them that whether they will allow cross currency transaction on their credit card or not. If they don’t then I will suggest you to opt for another bank.

Yes this is very common. This means your card is not allowed to do cross currency transaction. As I recall the readers who have conformed that Union Bank of India‘s card is working in Play store they also said to call the customer care and follow the IVR to activate cross currency transaction on your card. Did you do that? Also did you talked with the customer care of your bank about activating cross currency transaction on your card?

Please don’t use abbreviation when the same abbreviation is acceptable for more than one entities. If you are willing to denote United Bank of India as UBI, then I’m afraid that as per majority of users their card does not allow cross currency transaction. Tough some said that their cards works sometimes luckily.

I am a student and I want to buy things through paypal..so what shall I do?? Which bank will issue debit card with online transaction through paypal .and what is the name of the debit card..please reply soon..

Okay…I went through all the past comments. ..but I have one question is that if I want to get this smart shopper debit card from icici bank do I need to give some fixed amount…if so then how much amount??

Thank you for your help and your hard about this matter…as I was very confused which bank I choose and what debit card is required for paypal ..I have one more question is that if i want to make a smart shopper icici debit card..is there any fixed amount that I have to keep….in the account for this…if yes then how much..please reply as soon as possible…

That is really a great news for my readers. If you please share how did you enabled the cross currency transaction on your card and also which card you are using, it will be great for my users to know how to use their chipless card to use for cross currency transaction. As per my readers, the cross currency payment activation through IVR only allowed for Chip Based Card, so I’ll me pleased to know that how did you activated cross currency transaction on your chip less Axis Bank Debit Card.

Hello, I am a holder of ICICI Bank debit card PLATINIUM (VISA). And the problem is When I try to buy some products through EBAY.com by PAYPAL then the error occurs like (We are not able to process your payment using your PayPal account at this time. Please return to the merchant’s website and try using a different payment method (if available). Even I successfully linked my ICICI debit card to PAYPAL. How can I get rid of it and have a successful transaction?

Hi, Did you activated the cross currency transaction on your card? Also can you post the screenshot that your card is successfully added to PayPal. This is wired, it never happens in cross currency transaction in activated in your card.

I cannot upload any photo as I didn’t find any options for that. well, I contact my ICICI Bank Customer support and they said they already activate my international transaction feature. even I got a text message on my cell phone as, ”SR343926372: DEAR CUSTOMER, AS REQUESTED, YOUR DEBIT CARD HAS BEEN ACTIVATED FOR USAGE AT INTERNATIONAL LOCATIONS,ATM,WEBSITES AND MOBILE APP.”

BUT the problem is that I still cannot make any payments through paypal .